Long Term Care

 

Insurance: Long Term Care Insurance:Long Term Care Insurance providers

What do I do to find out more about Long Term Care?
To find more information such as how and when is the best time to apply? How much does it cost? What are the variety of benefits and plans? Get a fast, easy, and free quote on Long Term Care Insurance of all types. We expand your options by comparing companies for you and making all of the details simple and easy to understand! Please fill out this form for a no-obligation quote. Contact Dan Dettlaff, your Long Term Care Specialist Toll Free at 1.866.338.8261.

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The smart, easy way to shop for long-term care coverage. 
To receive your free policy comparisons and quotes, please complete this simple, secure form. Answering the questions on this form will not result in a determination of your eligibility for coverage.

 

 

 

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A review of each company's financial-stability ratings, experience and size.
A thorough, side-by-side comparison of each policy's features.
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Long Term Care Basics:

What is Long Term Care?
Long term care is care that you need if you can no longer perform everyday tasks (activities of daily living-- such as bathing, eating, clothe yourself, continence transporting yourself or toileting) by yourself due to a chronic illness, injury, disability or the aging process. Long term care includes the supervision you might need due to a severe cognitive impairment (such as Alzheimer's disease).

Long term care isn't intended to cure you. It is chronic care that you might need for the rest of your life. This care can span years and can be expensive depending on the type of care you need and location where that care is received. Long term care insurance is one way of helping to pay for these expenses.

Where does someone receive Long Term Care Services and Who Provides Long Term Care?
Many people think all long term care is provided in nursing homes. However, long term care is also provided at home, in adult day care facilities or in assisted living facilities.

According to a 2013 Georgetown University Long-Term Care Financing Project, over three-quarters (80%) of adults living in the community and in need of long-term care depend on family and friends as their only source of help.

In addition, an AARP October of 2012 report on state housing , around 49 million households were headed by someone 50 or older. Over one-third of these households (35%) had at least one resident with a disability substantially limiting one or more basic physical activities.

Who Provides Long Term Care?
Most long term care services are provided by family members and friends. This type of care, informal care, also includes long term care services provided by unlicensed caregivers who are not arranged or supervised by a home care agency.

Care can also be provided by professionals trained in the field of long term care. This type of care, formal care, is provided by a home health aide or homemaker arranged or supervised by a home care agency or provided by a nurse or therapist.