Long Term Care Insurance

Long Term Care Insurance:
Long-term care insurance is designed to take care of you in your senior years should you become injured or ill and need to be placed in some type of senior residence. Medicare will not pay for these services and the state will usually not cover the expenses unless you have used up your savings.

Long-term care usually involves a variety of services for people with a disability, prolonged illness, or cognitive disorder. The coverage is triggered by a persons inability to perform daily activities like bathing, eating, dressing, etc. It covers services like:

	Skilled Nursing Care- care and /or rehabilitation training in a nursing facility or at home.
	Cognitive Impairment-illness such as Alzheimer’s, dealing with care-oriented conditions, not cure oriented.

Here are a few reasons to think about Long-term care:
Long-term care insurance can help cover the expenses of a prolonged illness or injury. These expenses can become quite high. Before you know, it can wipe out your life’s savings leaving you and your heirs with nothing.

Long-term care insurance is a way to protect your assets and savings so that you can do what you want with your money that you have worked hard your entire life to build up.

For additional information on Long Term Care Insurance go to my links page and click on Blue Cross. Click on Mature Individuals and scroll down the page and click on Long Term Care. This gets you to the Long Term Care page of my Blue Cross web-site.