As you age, you may find yourself needing assistance with everyday tasks you’ve always managed independently—like grocery shopping, meal preparation, or house cleaning. You might also require help with personal care services, such as bathing, dressing, or managing medications. A long-term care insurance policy is specifically designed to help cover the costs of these services.
If you plan to stay in your home for as long as possible, valuing your independence over moving to a nursing home, long-term care insurance can support that choice.
Your family is a top priority. You cherish those relationships and want to ensure that your care needs do not disrupt your quality time together.
You've worked hard to build your retirement nest egg. The last thing you want is to deplete those funds on long-term care services.
To access benefits, a licensed healthcare practitioner must certify that you are chronically ill and submit a care plan that outlines the necessary long-term care services.
Upon purchasing a long-term care insurance policy, you will select an elimination period, during which any expenses for long-term care services will be your responsibility.
You can choose how to receive your policy benefits. A traditional reimbursement benefit is paid out after you satisfy your policy's elimination period. Alternatively, you can opt for a cash benefit with no elimination period.
Your policy will continue to cover eligible long-term care services as long as you remain chronically ill, until you reach your policy limit.
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