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.

Dave Trout, 828.658.1472 can help you evaluate your need for long-term care insurance.