Long term care is essential for people who can not perform Activities of Daily Living (ADL) such as dressing, bathing, eating, and toileting for a long period of time.
Long term care can be taken at any nursing home or at your home.
Anyone suffering from chronic diseases, impairment of sense organs or sudden accidents need long term care.
Long term care is expensive. It depends on the amount of care you need and get.
Long term care insurance can pay these costs. It compensates some or all of the cost of long term services.
The long term care activities include from daily activities to full time care.
Long term insurance policies are sold by private insurance companies.
ü Individual policy
ü Employer policy
ü Association policy
ü Continuing care retirement policy
ü Life insurance policy
ü Partnership programs
ü Pooled benefits