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Long Term Care Insurance Benefits

May-19-2018 | Alzheimer's Care, Caregiver Service, Dementia Care, Elderly Care, Long Term Care, Senior Care Services,

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Long Term Care Insurance can help to reduce the concern of care for your loved one.  More than half of all individuals age 65 & over will need Long Term Care (LTC) at some point in their lives, according to statistics cited by AARP

What is Long Term Care?

Long Term Care (LTC) is the assistance provided for activities of daily living. Example of this is eating, transferring, continence, toileting, bathing and dressing.

Long Term Care may also include severe cognitive impairment that requires constant supervision such as Alzheimer’s and Dementia care.

Generally, Long Term Care (LTC) covers the following types of care services:  Personal care helps to maintain the daily activities and functions of life. Skilled care is provided when recovering from an illness or an injury.

Who Covers the Long Term Care cost?

According to Richard Johnson, director of the Program on Retirement Policy at the Urban Institute,” Long Term Care expenses are one of the greater economic risks that older Americans face.”  If someone requires long-term care, it is not just an emotional strain but a financial one as well, impacting retirement savings and overall financial position.

Long Term Care insurance may cover:

Institutional Care: Assisted living services, Residential care facility, Nursing home, adult foster home, hospice care, respite care and more.

Home Care: Home health care, Personal care, adult day care, hospice care, homemaker services, respite care and more.

Some insurance companies that provide Long Term Care insurance are:  GenworthMetlifePrudentialJohnHancock and MedAmerica.

State of Connecticut Office of Policy and Management  can provide more information on Long Term Care insurance and other programs.

Polish Care Services is a Connecticut based agency that provides caregivers in Connecticut which accepts insurance and other payment types for long term care. Contact us at 860-255-8278 or and let us know how we can assist with care.

Polish Care Services do not endorse any insurance company or its products and/or services. Information provided is for educational purposes only. Consumers are strongly encouraged to do due diligence to find out what products and services is the best fit for their needs.

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