Insurance
Resource Center
 Health Insurance
Auto Insurance
Life Insurance
Dental Insurance
Travel Insurance
Home Insurance
Pet Insurance
Long Term Care
Disability Insurance
Farmers Insurance
Motorcycle Ins.
Business Insurance
Renters Insurance
Title Insurance
Cobra Insurance
Mortgage Insurance
Estate Planning
Annuities
Medicare Supplement
Flood Insurance
Earthquake Insurance
Liability Insurance
Mobile Home Insurance
Pre-Paid Legal
Viatical Settlements
Apartment Buildings
Car Insurance
Group Health
Term Life Insurance
Insurance Quotes
Insurance Leads
Insurance Links
Insurance Links
Insurance Agencies
Insurance Articles
Department of Insurance
Insurance Rating
Insurance Company
Insurance Newsletter
Site Map
|
What Is Long Term Care?
Long term care involves a wide variety of services for people with a
prolonged physical illness, disability or cognitive disorder (such as
Alzheimer's disease). Long term care is not one service, but many
different services aimed at helping people with chronic conditions
compensate for limitations in their ability to function
independently. Long term care differs from traditional medical care
as it is designed to assist a person to maintain his or her level of
functioning, as opposed to care or service that are designed to
rehabilitate or correct certain medical problems. Long-term care
services may include, but are not limited to, help with daily
activities at home, such as bathing and dressing, respite care, home
health care, adult day care, and care in a nursing home.
Persons with cognitive impairments generally need supervision,
protection or verbal reminders to accomplish everyday activities.
Persons with physical illnesses or disabilities often need hands on
assistance with activities of daily living. The activities of daily
living, shown below, are considered personal care (also know as
custodial care) and are generally not covered by Medicare, Medicare
supplement insurance, or major medical insurance provided by most employers.
Bathing- Bathing oneself or getting in and out of a tub or shower
Continence- Maintaining bowel and bladder control
Dressing- Putting on or taking off clothing,
appendages or necessary braces and fasteners
Eating- Feeding oneself
Toileting- Getting to and from the toilet and performing
personal hygiene
Transferring- Getting in or out of a bed,
chair or wheelchair to move from place to place by walking,
wheelchair or other means
Long Term Care Insurance
Long-term Care Insurance can help you shift a significant portion of
the financial burden to a third party should you need long-term care.
Current studies show that over half of women and nearly one-third of
men age 65 years or older will need some type of assistance or will
enter a nursing home. Long-term Care Insurance is currently the
fastest-growing type of insurance being sold in the U.S.
Three Basic Types of LTC Insurance Policies
Long Term Care Insurance Policy
Nursing Home Insurance Policy
Home Health Care Insurance Policy
Long term Care insurance policies being sold today must be approved by the
Department of Insurance in your state and there are no bad policies.
However, not all policies are the same and there are currently over
100 companies marketing policies. For more information or a quote on long term care insurance (click here) complete our
consumer profile form and locate a professional in your area.
  InsBuyer helped over 4.2 million consumers with insurance related needs in 2004 and over 720,000 insurance quotes were requested for car insurance, home insurance, life insurance and health insurance. Thank you for letting us help you find affordable insurance.
Online Insurance Quotes.
Copyright © Diversified Insurance Services / InsBuyer.com™
|
|
