What is Long Term Care Insurance?Long-term care insurance (LTC or LTCI), an insurance product that helps provide for the cost of long term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.
Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking. The Benefits of Long Term Care InsuranceLong-term care insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities. If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to seven days a week, 24 hours a day (up to the policy benefit maximum).
Other benefits of long-term care insurance:
Contact us to learn more about the right long term care insurance for you. |
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This site is published for residents of the United States only. Registered Agents of Infinity Financial Group may only conduct business with residents of the states and/or jurisdictions in which they are properly licensed. This website cannot generate an agreement to provide insurance coverage. Coverage cannot be bound nor altered by email, voicemail, nor any type of social media.
The exact policy declarations can only be determined once approved by the underwriting Insurance Company.
The exact policy declarations can only be determined once approved by the underwriting Insurance Company.