Preserving Independence and Assets with Long-Term Care

Long-Term Care allows you to maintain your independence and dignity when you need it most.  You can customize Long-Term Care benefits to accommodate to your needs, including receiving care at your own home.  You will decide when, where and who will provide your care.  You maintain control over your assets; you maintain control over your life.

Long-Term Care benefits play a critical role in helping an individual who is unable to live independently, even if the care needed is for a limited amount of time.  Long-Term Care insurance covers the care you need, whether in your own home or in a facility. With Long-Term Care, you may receive benefits for the following qualified services:

  Homemaker or Companion Services.  These services include: Nutrition services, special meals and home-delivered meals, housekeeping, laundry, chore services, and assistance with daily activities.

  Personal Care Attendant.  Care provided to help individuals meet personal needs such as bathing, dressing, and eating as well as using the telephone, managing medication, and shopping for essentials.

  Care or assistance from a therapist or nurse received in the home.  Professional home care provided by occupational, physical, respiratory, dietary, speech therapy, or nursing care.  Care received in the home also includes medical, social worker, and home health aide.

  Adult Day Care.    Care provided for adults during the day, usually at community centers.

  Hospice Care.  Provides physical, emotional, social, and spiritual support for you, your caregiver, and your family when a terminal illness has been diagnosed.

  Respite Care.  Short-Term Care to relieve the primary caregiver in your home.

  Nursing Home care.  Licensed facilities that provide both skilled nursing and custodial care.

  Care in an Alternate Care Facility.  Alternate care facilities are facilities designed to give you the around-the-clock personal assistance that cannot be provided at home.

  Community-based care.  Services designed to help older people stay independent and in their own homes.

  Adult Congregate Living Facility.  Retirement apartments where housekeeping, meals, laundry and other amenities are available.