Long Term Care

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Long Term Care

Call (305) 373-1070 for a long term care quote

Choosing long-term care is a very important decision. You should plan and think about long-term care before you need care or before a crisis occurs. Planning ahead allows you the time to talk with your doctor about your health and any problems you may be having. It is also very important to talk with your family about the kind of long-term care services you think you might need someday, how much they would cost, and how you would pay for them. The best time to talk about long-term care is before you need services..
Long term care is provided to people who need help with activities of daily living (ADL's) such as bathing, continence, dressing, transferring, toileting or eating or long term care is provided to people who need substantial supervision due to a cognitive impairment. This care can be provided in your own home, assisted living facility or a nursing home.
Many people believe that the need for Long Term Care could not happen to them however it is estimated that more than 13 million people in the US need Long Term Care and of that close to 40% of people needing Long Term Care are working aged adults. According to the AARP it is best to purchase a Long Term Care Insurance policy when you are middle aged, this is when you are more than likely to be eligible for Long Term Insurance and when the premiums are going to be lower.

How to Qualify for Long Term Care Insurance Benefits

Most Long Term Care Insurance policies sold today are considered Tax-Qualified, with a this type of policy you are eligible to receive your Long Term Care Insurance benefits when a licensed health care practitioner can verify that you are unable to perform 2 of the 6 activities of daily living (ADL's) for at least 90 days. These include eating, bathing, dressing, toileting, continence, or transferring. Or you suffer from a cognitive impairment such as Alzheimer's, Dementia, Stoke, etc.

Please call us today to find out which insurance companies have the most competitive long term care policies and which one is best suited for you. Call (305)373-1070.