Long Term Care “LTC”
If you haven’t yet planned for long term care, you are not alone. Many people have not taken this critical step in wealth protection planning; it is a difficult thought that they or someone they love may need assistance to care for themselves. However, there are ways to plan for LTC to help you and your love ones to have choices and the best quality of life as possible.
LTC involves some sort of assistance performing at least two activities of daily living. Activities of daily living include: bathing, dressing, toileting, transferring and continence. This could be caused by a severe cognitive impairment, or a chronic illness or disease. Whether provided at home, in a nursing home or in an assisted-living/residential-care facility. That’s why it is extremely important to plan for LTC. LTC insurance can give you choices of care and help off set the cost of care.
Depending on you age, personal situation and finances there are a variety of different options we can help you with to best fit your situation. A quality LTC plan will help you make the best choice for yourself or a loved one.