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Long Term Care Insurance

Long-term care is the assistance people need when they can no longer perform basic activities of daily living, such as eating, bathing, dressing or taking medications. A long-term care insurance policy is designed to help you pay for assistance with these types of activities. Long-term care needs typically arise as part of the normal aging process but can also be due to injury or illness, such as stroke or cognitive impairment like Alzheimer's disease.

Some simple facts:

  • 70% of Americans over 65 need some form of Long Term Care services.

  • Medical insurance doesn’t cover Long Term Care services.

  • The average cost of Long Term Care in the range of $5k ~$20k per month, and it is going up every year.

  • Long Term Care insurance is affordable only when you are healthy and/or when you are young.

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