What Is Long-Term Care and Who Needs It?



What is long term care?

Long Term care is a very important topic that everyone needs to know about, as we all will eventually will grow old, or suffer from something that will require help something as simple as daily living.

Long term care is when someone can no longer care for themselves, because of old age, injury, disability, or chronic illness. Long term care can be provided in your own home, a nursing home, or another long term care facility.

This type of care is not meant to cure you, but simply have someone care for the remaining portion of your life.

Who Needs Long-Term Care?

Nearly 41% of long-term care is given to people younger than 65, due to sporting or car accidents.

These kinds of accidents lead can lead to brain tumors, spinal cord injuries, seizures or strokes. The U.S. Department of Health and Human Services stated that about 70% of people turning 65 will need long-term care at some point.

Learn More About Long-Term Care Insurance

Pays for Medical Bills

In the case of any critical, chronic, or terminal disease, your policy will mail you a check that you can use to pay for long-term care and medical bills which tend to be $100s of thousands of dollars.

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Return of Premiums

If your future ever changes and you desire to change or terminate your policy, the new policies include the ability to get a percentage of your premiums back.

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Protect Your Family's Future

You can live in peace knowing that if something happens to you, the policy coverage will be delivered to your family’s hands so they can continue living happily.

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