WHAT IS LONG TERM CARE

Long term care (LTC) is the assistance or supervision you may need when you are unable to do some of the basic activities of daily living (ADLs) — bathing, dressing, eating, continence, toileting and transferring. You also may need help because of a severe cognitive impairment that can be caused by Alzheimer’s disease or other brain disorders. Long term care can be received at home, in the community or in an assisted living or nursing facility. You may qualify for long term care insurance benefits if you can’t perform two ADLs by yourself for at least 90 days or require substantial supervision if you suffer from a severe cognitive impairment.

Long term care insurance is unique; you pay for it with your money, but you buy it with your health. When in a public place, if you were to look around, 1 in 5 people that you see will not be able to qualify for long term care insurance because of one health reason or another. To help ensure that you are not one of those people, it is imperative that you look into this type of protection around the age of 40 and up to 75 years of age. The younger and healthier you are, the better chances of coverage and lower rates.

Long term care insurance is very customizable to help accommodate individual needs. Meeting with a long term care planning specialist is like meeting with a realtor. You consult a realtor when buying a house because there are many choices to be made. How many bedrooms? How many bathrooms? Long term care insurance is no different. There are many things to consider and your specialist can help define your individual needs.


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We can help you find the best long term care insurance provider that will help fit your needs. Fill out the information below and we will be glad to refer you.

Please have someone from PNW Insurance Services contact me regarding my Long-Term care insurance planning needs.