Long-Term Care Insurance

Long-Term Care Insurance provides a daily benefit, starting as early as the first day, if you lose the ability to care for yourself, and require the services of a long-term care facility or need care at home.

With Long-Term Care Insurance, two generations are protected: parents and children. It helps parents maintain their lifestyle and financial security by giving them the resources they need to remain independent, even in the face of a serious health setback that may require one spouse to care for the other. At the same time, it gives children an alternative to providing their parents with the care themselves.

Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living such as dressing, bathing, eating, toileting, getting in and out of a bed or chair, and walking.

Long-term care isn't necessarily long term. A person may need care for only a few months to recover from surgery or illness.

As an individual ages, there is an increased risk of needing long-term care.

Talk to a Total Financial Solutions advisor today to see if Long-Term Care insurance is right for you.