Long Term Care

Top 3 reasons why people have Long Term Care Protection

1. To protect assets
2. Security peace of mind
3. I don’t want to be a financial burden to my family

When will a policy start to pay for care Generally, long-term care insurance policies begin to pay benefits when one of two different criteria is met and you have met the elimination period.

• You have severe cognitive impairment, such as Alzheimer’s disease and other forms of dementia, which make it impossible for you to live independently in a safe manner.
• Or you are unable to perform two of the six activities of daily living (ADLs) without assistance or supervision:
  1. Continence: Control of one’s bladder and bowel movements
  2. Dressing: Clothes oneself
  3. Toileting: Use a toilet and perform associated personal hygiene
  4. Eating: Feed oneself
  5. Bathing: Bathe oneself
  6. Transference: Move oneself into or out of a bed or a chair