The greatest gift of long-term care insurance is that it allows loved ones to supervise your care and not have to provide your care.
What Is Long-Term Care?
Long-term care (LTC) goes beyond medical 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 (longer than 90 days). While older people generally require the most long-term care services, 40% of long-term care claims are paid to someone under the age of 64.* A young or middle aged person who has suffered a debilitating illness or accident may also require care.
You may require long-term care due to:
- Dementia/Alzheimer’s
- Stroke
- Complications with diabetes
- Other chronic conditions
Where Can You Receive Care?
- At home
- Assisted living facility
- Services in community facilities
- Skilled nursing facility
* U.S. Government Accountability Office
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