Personal Insurance Investments/Annuities Financial Planning Group Benefits Insurance Brokers About Us Contact Us
 
 
Long Term Care
Long-term care insurance can be a valuable tool in planning for the future. It offers protection that can help cover costs if the need arises for nursing home, home care and many other related services. Often ignored, long term care insurance is an extremely valuable type of insurance to look into since it can generally provide two key elements to ones retirement planning: help one keep their independence and to prevent or minimize the burden on family and friends. To learn more about long term care insurance, click here.
 
Please fill out the following information to receive your quote:
    You Spouse (if applicable)
First Name:  
Last Name:  
Birthdate: (mm/dd/yyyy)   / / / /
Gender:  
City:    
State:    
Zip:    
Day Phone:   ( ) -  
Evening Phone:   ( ) -  
Best Time to Contact:    
E-mail:    
       
Long Term Care Options      
Daily Benefit:
($100 - 500 / day)
  $ per day  
Benefit Period:    
Inflation Options:    
Home Care Pay Option:    
Elimination Period:    
       
Please list and health conditions, medications, etc.  
   
Other coverage you may be interested in:  
Group Benefits
   
Are you interested in having multiple agents contact you?   yes
   
 
 
What is Long Term Care?

Long-term care involves a wide variety of services for people with a prolonged illness, disability or cognitive disorder (such as Alzheimer's disease). Long-term care is not one service, but many different services aimed at providing people with the help they need when a prolonged illness or disability keeps them from being able to care of themselves. It can range from help with day-to-day activities in the home (custodial care such as dressing, preparing meals, bathing, etc.) to more sophisticated services such as skilled nursing care in your home or a nursing facility. Persons with physical illnesses or disabilities often need hands-on-assistance with activities of daily living. Persons with cognitive impairments generally need supervision, protection or verbal reminders to accomplish everyday activities. Skilled care and personal care remain the most common terms used to describe long-term care and the level of care a person may need.

Skilled care is generally needed for medical conditions that require care by skilled medical personnel, such as registered nurses or professional therapists. This care is usually provided 24 hours a day, is ordered by a physician, and involves a treatment plan. Skilled care is generally provided in a nursing home, but may also be provided in other settings such as the patient's home with help from visiting nurses or therapists.

Personal care (also known as custodial care) helps a person perform activities of daily living, which include assistance with bathing, eating, dressing, using the toilet, continence and transferring. It is less intensive or complicated than skilled care and can be provided in many settings, including nursing homes, adult day care centers or at home.




     
  ©2005 ProfessionalQuotes.com All Rights Reserved
Question/Comments: info@professionalquotes.com
Designed/Maintained: quadpain media