Long-Term Care Insurance

Long-term care is the type of assistance people need to perform activities of daily living which include eating, bathing, continence, dressing, toileting and transferring. Long-term care needs typically arise as part of the normal aging process, but can also be due to an injury or illness, such as multiple sclerosis, stroke, rheumatoid arthritis, or due to a cognitive impairment, such as Alzheimer’s disease.

Long-term care insurance can help you secure your future and help preserve the assets that you’ve worked so hard to save.
Many people mistakenly believe their long-term care needs are already covered. However, long-term care assistance isn’t typically paid for by health or disability insurance. In addition, government programs such as Medicare and Medicaid aren’t designed to cover costs over long periods of time. It's important to consider how you would pay for care if the need arises.
Consider planning now for your future long-term care needs if you want to:

Feel confident about preserving your retirement savings and assets
Be proactive about reducing the burden of care on family members
Take control of your long-term care decisions and maintain independence and the ability to choose where you receive care.