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Long Term Care                       800 371-5535

 

What Is Long Term Care?
Long-Term Care provides for the day-in, day-out assistance you need when a serious illness or disability renders you unable - physically or cognitively - to care for yourself for a lengthy period of time. Long-term care can be provided at home or at a nursing facility, assisted living or alternate care facility.

In keeping with the trend toward home health care options,  long-term care plans provide a range of services to help you live comfortably in your preferred environment. Each plan also prepares for the eventuality that your needs may someday require a nursing facility.

Is Long Term Care Right For You?
Take a moment to consider the following statistics from the U.S. Department of Health and Human Services:

 
60% of people over age 65 will require long-term care during their lifetime.
(Washington Post, April 1996)
Medicare and Medicaid will pay only a fraction of the costs of long-term care
(Department of Health and Human Services, 1991)
The average cost of nursing home care is about $100 per day. The average stay is 2½ years , which translates to a total cost of about $100,000 per stay.
(Department of Health and Human Services, 1991)

Investing in a long-term care plan represents an important step toward securing peace of mind and financial security in the most important years of your life. Your plan should provide you with maximum protection against the potentially catastrophic costs of long-term health care while enabling you to help preserve your resources.

 

What about Medicare and Medicaid?

It is a common misconception that Medicare and Medicaid will cover the costs of long-term care. The reality is that the percentages each source contributes to the costs of long-term care today are:

Medicare: 8%
Medicaid: 45%

This leaves you responsible for paying the other half of the expenses, $50,000 on average , based on the Department of Health and Human Services statistics above.

Click here for more information about Medicare and Medicaid roles in long-term care.

 

 

Information Request Form

Fill out the form and we will send you the information you requested.  Or call us at:

     800 371-5535

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Benefit period requested
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Elimination period requested

inflation rider? spousal discount? LTC only? Home Care only? Comprehensive?

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Last modified: October 16, 2002