Long-term care insurance is coverage that pays for nursing-home care, home health care, care in an assisted living facility, or personal or adult daycare for individuals with a chronic or disabling condition that needs constant supervision. LTC insurance may offer more flexibility and choice of providers compared to public assistance programs, such as Medicaid.
Your family means the world to you
You love spending time with them and cherish the close relationships you share. You know they would do anything for you... including stepping in to help you with life’s everyday activities. But taking on the role of caregiver may not be what you had in mind.
Your spouse may be working or may not be physically able to take care of you
Your kids have busy lives, complete with family and work obligations of their own
More than ten percent of the U.S. population is caring for a family member who is in the midst of a health crisis. It can be one of the most stressful life events and often leaves the caregiver and the person in need of care with an enormous financial burden. The last thing you want to do is rely on your family for help. Long-term care insurance may allow you to supplement the help you receive from family members with professional caregiving services.
A comprehensive LTC insurance policy may provide coverage for long term care needs in the home, community-based settings, an assisted living facility or nursing home. By providing more choices and more control over care options, LTC insurance can help you face the future with confidence.
Maximize Your Options for Care. LTC insurance reimburses you for services - assisted living facility - that can help improve the quality of life for those who are chronically ill and are unable to engage in everyday activities such as eating, dressing, bathing, getting in and out of bed without assistance or those with cognitive impairment.
Quoting Multiple Long Term Care Insurance Carriers
Quotes are delivered by a Wallace & Feldman specialist, who helps you choose the best features and discounts, without over buyingcoverage. Avoid mistakes when planning your long-term care policy with one-on-one guidance from Wallace & Feldman, Ins.