42% of Americans who are 65 today will
enter a nursing home during their lifetimes.
Women are especially vulnerable
because they have a 50% greater likelihood of needing
nursing-home care than men.
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The need for long term care can strike at
any time. Statistics show that 40% of people receiving long
term care services are working age adults, between the
ages of 18 and 64. Would you be prepared for long term care,
if you suddenly required it? Whether you are married or
single, with or without children, you should start considering
long-term care coverage as part of your overall insurance
needs.
Long term care is the type of care that you may need if you
can no longer perform "activities of daily living" by
yourself, such as eating, bathing or getting dressed. It also
includes the kind of care you would need if you had a severe
cognitive impairment like Alzheimer's disease. Care can be
received in a variety of settings, including your own home,
assisted living facilities, adult day care centers or hospice
facilities.
Long term care can be covered completely or in part by
long term care insurance. Most plans let you choose the amount
of the coverage you want, as well as how and where you want to
use your benefits. A comprehensive plan includes benefits for
all levels of care, custodial to skilled.
Long term care isn't the type of care that you receive in the
hospital or your doctor's office. It isn't the medical care
you need to get well from a sickness or an injury. It
isn't short-term rehabilitation from an accident or
recuperation from surgery.
Long term care is not always administered in a nursing home.
More than 80% of all people receiving long term care
assistance are not in nursing homes.
The premiums for long-term care insurance are not cheap, but
we can always design a coverage, which will fit your budget.
Premiums vary based on your age, health, benefit, elimination
period, geographical location, policy type and selected
options. Married couples get a very substantial discount,
sometimes up to 30%.
