What Is Long Term Care Insurance Exactly & Who Needs It Most

Long Term Care Insurance In Cooper CityLong term care is care that is provided to you to assist in completing your regular activities of daily living by yourself. The common cause of Long Term Care derives from chronic health problems, injuries, disabilities or just the natural aging process. One major benefit to long-term care additionally includes the supervision you would possibly want as a result of severe on going impairment (such as Alzheimer’s disease ).

Long Term care addresses dealing with chronic illness and helps to deliver the chronic care that you  possibly would need for the remainder of your life. You’ll be able to receive long term care in the comfort of your home, a nursing home or another long term care treatment center, like an assisted living program.

People usually confuse long term care with disability or short-term treatment. Long term care is not:

Care that you simply receive within the hospital or your doctor’s workplace

Care you would like to get well from an illness or an injury

Short-term rehabilitation from an accident

Recuperation from surgery

Who Needs Long Term Care the Most?

Anyone with an ongoing chronic illness that is not able to complete at least 2 of the daily activities would like to have long term care at this very crucial point in their life. Life changing events such as: An automobile and sporting accidents; disabling events like strokes, brain tumors, and spinal cord injuries; and disabling sicknesses like multiple sclerosis and Parkinson’s are examples of injuries and ailments that may happen to anyone at any age.

Nearly forty one percent of long term care is provided to individuals below age sixty five, who need help taking care of themselves as a result of diseases, disabling chronic conditions, injury, developmental disabilities or severe mental illness.

According to the U.S. Department of Health and Human Services (HHS), individuals turning age sixty five are increasingly will have a need for assistance living. Contrary to what many folks believe, health care and personal insurance programs does not obtain the majority of long term care services that almost all individuals need . . . planning today is important for you to be ready to get the care you would possibly need tomorrow.

If you want to learn more about Long Term Care insurance or how you can get the best Long Term Care coverage to properly protect yourself from the unexpected…just ask Mitch at  AskMitch@MonaLisaInsurance.com.