Long-term care insurance helps provide for the cost of care needed beyond a predetermined period of time.  It covers care generally not covered by health insurance, Medicare, or Medicaid.

If you can no longer perform daily tasks alone because of a chronic illness, an injury, or disability your long-term care insurance would be used to pay for the care you would need in these circumstances.  This isn’t insurance to cure a disease, but rather would be used if a chronic condition were to arise where you may need help for a very long period of time, if not for the rest of your life.

For more information on whether or not long-term care insurance is right for you and your family, contact us here.