Long-term care refers to assistance with everyday activities when you can no longer perform them on your own due to age, illness, or injury. These activities, known as Activities of Daily Living (ADLs), include bathing, dressing, eating, mobility, toileting, and continence.
Care can be provided at home, in the community, or in a facility such as assisted living or a nursing home. It’s important to note that most health insurance and Medicare primarily cover medical (skilled) care, not ongoing personal (custodial) care.
Why Consider Long-Term Care Insurance?
- Helps protect your savings and assets
- Provides access to care at home, in the community, or in a facility
- Reduces the burden on family members
- Offers peace of mind for the future