LONG-TERM CARE INSURANCE
Long-term care insurance will help protect yourself against the significant financial risk posed by the
potential need for long-term care services, either in a nursing home or in your own home.
Long-term care goes beyond medical care and nursing care to include all the assistance you could need
if you ever have a chronic illness or disability that leaves you unable to care for yourself for an extended
period of time. You can receive long-term care in a nursing home, assisted-living facility, or in your own
home.
Though older people use the most long-term care services, a young or middle aged person who has been
in an accident or suffered a debilitating illness might also need long-term care. Beyond nursing homes,
there is a range of services available in the community to help meet long-term care needs. Visiting
nurses, home health aides, friendly visitor programs, home-delivered meals, chore services, adult
daycare centers, and respite services for caregivers who need a break from daily responsibilities can
supplement care given by family members. These services are becoming more widely available.
The National Association of Insurance Commissioners has built an informative web page about long term
care insurance. To access the page, please click here.
Dave Trout, 828.658.1472 can help you evaluate your need for long-term care insurance.
potential need for long-term care services, either in a nursing home or in your own home.
Long-term care goes beyond medical care and nursing care to include all the assistance you could need
if you ever have a chronic illness or disability that leaves you unable to care for yourself for an extended
period of time. You can receive long-term care in a nursing home, assisted-living facility, or in your own
home.
Though older people use the most long-term care services, a young or middle aged person who has been
in an accident or suffered a debilitating illness might also need long-term care. Beyond nursing homes,
there is a range of services available in the community to help meet long-term care needs. Visiting
nurses, home health aides, friendly visitor programs, home-delivered meals, chore services, adult
daycare centers, and respite services for caregivers who need a break from daily responsibilities can
supplement care given by family members. These services are becoming more widely available.
The National Association of Insurance Commissioners has built an informative web page about long term
care insurance. To access the page, please click here.
Dave Trout, 828.658.1472 can help you evaluate your need for long-term care insurance.
