Long Term Care Insurance is the kind of care you may need after an accident, illness, or injury, to assist in your rehabilitation and recuperation after you leave the hospital. It can also be custodial care, when you are unable to perform activities of daily living without assistance. This care can be received at home, at adult daycare, in assisted living facilities, and in nursing homes. The services covered by long-term care policies help you maintain your financial independence.
With the aging of our population, many employers are helping their employees protect their assets and prepare for long-term care needs by offering Long Term Care Insurance with their employee benefit packages.
Remember that it's really about filling the gap in health insurance, it's also more affordable to buy at a younger age. Premiums are based on the age when you apply, and every year-until you apply- the rates increase.
For more information or for a quote on long-term care alternatives, contact Pam Devine at The David Agency at (877) 827-5824.
» Long-Term Care Insurance - Frequently Asked Questions
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