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Long Term Care Long Term Care Insurance may be the one thing that keeps you or your loved ones out of a nursing home. Genworth Life John Hancock LifeSecure Mass Mutual MedAmerica Metropolitan Life Mutual of Omaha Prudential Transamerica Worksite What is Long Term Care? Long-term care is the type of assistance people need to perform normal daily activities such as eating, bathing, dressing, and transferring. Long-term care needs typically arise as part of the normal aging process, but can also be due to an injury or illness, such as multiple sclerosis, stroke, rheumatoid arthritis, or due to a cognitive impairment, such as Alzheimer’s disease. The Benefits of Long Term Care Insurance Long-term care (LTC) insurance is important coverage that provides valuable support and financial resources that help cover the cost of long-term care you might need in the event of an illness, accident, or through the normal effects of aging. By helping to protect your assets, and giving you choice and control over where you receive care—including in your home—LTC insurance helps you and your family face the future with confidence. Where is Long Term Care Provided? The need for long-term care does not mean being confined to a nursing home. According to the U.S. Department of Health and Human Services, 80% of long-term care is provided at home*. You can receive long-term care in a variety of settings, including:
* U.S. Department of Health and Human Services, National Clearinghouse for Long-Term Care Information, www.longtermcare.gov, September 2008. |
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Steven J. Podgorski, LUTCF d.b.a. Aspire Financial Group, 1720 Crofton Drive, Algonquin, IL 60102
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