Long term care isn't just for seniors
Long term care insurance can provide coverage if you become unable to care for yourself and need assistance to manage daily living activities. Long term care isn't just for seniors. You may become unable to care for yourself for 90 days or more at any point in your life. Long term care insurance can cover some of the costs of a care facility or a caregiver in your own home or hospitalization and loss of autonomy.
Long-term care insurance guarantees the payment of a monthly benefit:
- If the insured becomes unable to perform 2 of the following 6 activities of daily living without the help of another person: bathing, dressing, toileting, transferring, continence, eating
- If the insured is suffering from a cognitive impairment endangering his health or safety (for example, Alzheimer's disease and other types of permanent senile dementia).
- Long-term care insurance covers the insured in the event of prolonged physical illness, a disability, or a cognitive impairment like Alzheimer’s. This type of insurance is designed to help one live and maintain their lifestyle as it is now with their activities of daily living (ADL’s).
- A person with a disability or illness will often need constant care and those who have cognitive impairments will need supervision. Long-term care insurance can help pay for these everyday expenses by using the insurance company’s money.
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