Long term care insurance provides services for people suffering from a chronic illness, disabling condition, cognitive impairment. These services help the individual with the activities of daily living (ADL’s) such as bathing, eating, dressing, continence, transferring, and toileting.
Long term care policies start to pay out when the insured can no longer do 2 ADL’s. You could arrange for care in your home or a residential care facility. Long term care insurance can help people life their lives with autonomy. If you live in California you should consider purchasing a California Partnership policy.
If you are deciding whether or not to purchase long term care insurance call us or e-mail at Financial Direction so that we can help you select a long term care policy.
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