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Long Term Care Insurance

Plan for the future and obtain health-care coverage as you get older

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Long term care insurance can provide coverage if you unable to care for yourself and need assistance to manage daily living activities. Long term care insurance is not just for seniors, it could be for anyone. This plan also allows you to lessen the burden on your family and maintain more control over your future.

The biggest challenge with anticipating or insuring against long-term care costs is trying to estimate them. Someone may be healthy until they are 100 and go to sleep and not wake up, or they may develop a lengthy health issue at a young age requiring assistance beyond what family and government may cover, meaning significant out-of-pocket costs

Long Term Care insurance can help you with expenses such as:

  • Nursing care
  • Rehabilitation and therapy
  • Personal care (help with activities of daily living like dressing, eating, and bathing)
  • Home care services (meal preparation, cleaning, laundry)
  • Supervision by another individual
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  • Frequently Asked Questions

    Your insurance premiums will depend on your age and health when you apply. So coverage is typically less expensive for younger applicants. The annual cost will also reflect:

    • The type and amount of coverage you choose,
    • The length of time you will receive benefits
    • The waiting period you select.

    Many LTC policies have a waiting period of 30 to 180 days or longer. 

    Typically, someone can receive long-term care insurance benefits when they become dependent on another person for care. This means they need:

    • Constant supervision by another person because of deteriorated mental abilities;
    • Substantial physical assistance with two activities (from a list of six) of daily living like getting dressed or eating; or
    • Stand-by assistance for bathing and transferring (e.g., moving from a chair or out of bed).

    You can make a claim to receive benefits when your coverage becomes effective. In most cases, that’s immediately after you buy long-term care insurance. Other long-term care plans only provide coverage after age 65.

    Once coverage is effective, you must remain dependent for the number of days in the selected waiting period before you start receiving benefits.

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