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Long Term Care

Green Leaves

What is Long Term Care?

Long Term Care involves a variety of services designed to meet a person's health or personal care needs during a short or long period of time. These services help people live as independently and safely as possible when they can no longer perform daily activities on their own.

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Long Term Care (LTC) is one of the major types of protection in planning for your future or for your aging parents. For most of us, LTC is not an issue of "what if" it will happen but rather when it will happen. The sooner you have this protection, the better for your family.

Who Needs Long Term Care?

70% of people over age 65 will require LTC services.

40% of people receiving LTC are between 18 and 64 years old.

The cost of LTC is astounding. The average annual cost of a nursing home is $83,580 in the U.S.

Health insurance or Medicare can help pay the cost of immediate medical expenses but not for the Long Term Care of chronically ill people.

LTC pays for the insured who becomes chronically ill, which is defined as the inability to perform at least two of the following activities: bathing, continence, dressing, eating, toileting, and transferring.

You can purchase LTC as a stand-alone policy, or you can purchase it as a rider in life insurance policy.

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Connect us to learn more about Long Term Care.
Or make an appointment, we are here to help.
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