Long Term Care includes a wide range of medical and support services for people with a degenerative condition (e.g. Parkinson's, stroke, etc.), a prolonged illness (cancer) or cognitive disorder (Alzheimer's).
Long Term Care is not necessarily medical care, but rather "custodial care." Custodial care involves providing an individual assistance with activities of daily living or supervision of someone who is cognitively impaired.
To better understand Long Term Care, think of the activities you performed when you woke up this morning. You probably:
- climbed out of bed
- walked to the bathroom
- used the toilet
- used the bath or shower
- got dressed
- ate breakfast
While you're healthy it's easy take for granted these everyday routines. However, when you or a loved one is stricken with a degenerative condition such as a stroke or Alzheimer's, performing these activities of daily living (ADLs) becomes impossible without the assistance of another person.
If you think this type of coverage is only for people who are elderly, it may be surprising to know that 40% of people who use LTC services are working-aged adults. They may have been in an accident, suffered a chronic illness or stroke. The remaining 60% of people who use LTC services are elderly. Talk with Suzio Insurance about how LTC insurance can benefit you and your family.
Long term care insurance provides benefits to help you and your family manage the cost of long term care. Many Americans mistakenly assume that most people receive long term care services in nursing homes. But in actuality, more than 78% of adults receive long term care at home. A long term care insurance policy covers all levels of care - including skilled, custodial or personal care - at home and in a variety of settings.
Just as important as the impact of long term care can have on your financial security and independence is the emotional effect that it can have on you and your family. Caregiving is an act of compassion done out of love and concern for others. But so many factors, including distance, work, time, and other responsibilities, make it difficult and stressful for family and friends to do as much as they might like to help family members in need.
Long term care insurance saves you from having to rely too much on your family for financial help or physical assistance. It covers personal care assistance from licensed health care and home care professionals that you can receive at home as well as in care facilities. This protection ensures that the time you spend with your loved ones is more rewarding and enjoyable.
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