If you need long term care for a period of time, this policy may help you be
prepared for the financial impact. This coverage can also help you maintain
control of some important decisions, such as:
- Who would take care of me?
- Where can I choose to receive care?
What is long term care?
It is the type of care you may need if — due to a Chronic Illness*— you are
unable to perform, without Substantial Assistance from another individual, two
or more Activities of Daily Living**such as:
- Eating
- Bathing
- Continence
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- Dressing
- Toileting
- Transferring
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Or if you require Substantial Supervision by another individual to protect
your health from threats to your health and safety due to Severe Cognitive
Impairment, such as Alzheimer's disease or Mental Illness.
How does this coverage help?
Group COMPREHENSIVE LONG TERM CARE INSURANCE provides benefits to help you pay
for care provided by:
- Adult day care
- Home health care
- Homemaker services
- Hospice services
- Personal care
- Respite care
- Adult day care facility
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- Alzheimer's facility
- Nursing facility
- Residential care facility
- Hospice facility
- Rehabilitation facility
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Why buy now?
People often buy long term care insurance at an early age, because the younger
you are, the more affordable the rates.
Why buy coverage at work?
- You may get more affordable rates when you buy this coverage through your
employer and you can apply for coverage for your parents and spouse.
- Depending on your plan, you may be able to pay your premium through convenient
payroll deduction.
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