Long-Term Care Insurance

In the event that you or a loved one develops a need for long-term care services due to a functional or mental impairment, your family may not be able to provide the necessary care. Long-term care insurance helps provide the insured with independence from government intervention in personal financial affairs, a choice in how and where care is received and the dignity to control one's own future.

 


 


What is the purpose of long-term care insurance?

The purpose of long-term care insurance is to provide protection from the financial loss that could occur in the event that a person is incapacitated and needs assistance with daily living. Prolonged incapacity can significantly drain a family's financial resources due to the high costs of long-term care in an assisted living facility or home care environment.

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Who should consider it?

The following factors should be considered when deciding whether long-term care insurance is needed.

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Don't leave possible future long-term care expenses up to your family.

A long-term care insurance program designed specifically for you can provide benefits to help cover additional costs of long-term care, which might mean freedom from becoming dependent on a family member.

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