Long Term Care

Long-term health care is a phrase which is used to describe a variety of services including extended healthcare, personal care, and social needs of persons who are chronically ill, infirm, or suffer from a cognitive disorder such as Alzheimer’s disease.

Many people perceive long term care as simply the care received at a nursing home. Long term care is actually many services that enable an individual to maintain a certain level of quality of life.

These types of services might include:

  • Help with daily activities such as bathing and dressing
  • Respite care
  • Home health care
  • Adult day care
  • Or care in a nursing home

How much does different types of care cost?

Does Medicare cover any long term care?
Long term care expenses are generally not paid for by Medicare, Medicare supplement insurance, or major medical health insurance provided by most employers. Medicare does not pay for personal or custodial care unless the assistance is related to an injury or illness. Even in this instance benefits are severely restrictive.
Do I really need long term care?
Recent studies based upon nursing home admissions, indicate that 43% of all persons aged 65 and over will enter a nursing home in the future. In fact, a New England Journal of Medicine report suggested that of the 43% who enter nursing homes, 50% would stay an average of two years.

We are happy to discuss the various options available to you. Please contact us or complete the form below.

Long-Term Care Insurance Request