Long-Term Care Defined

When disease or injury keeps you from taking care of yourself over a long period of time, you may need some form of long-term care (LTC).

Why Would I Ever Need It?

No one can predict if and when you will need long-term care, or for how long.  We do know that at least 70% of people over age 65 will require some long-term care. Of those who need long-term care, 40% are under age 65 .
 That is, you may need help as part of the normal aging process – something we all face - or you may have a medical crisis, like a stroke, Alzheimer's disease, or rheumatoid arthritis.Any serious injury or illness with long-lasting effects could keep you from doing activities of daily living (ADLs):
  • Eating
  • Taking a bath
  • Getting dressed
  • Moving in and out of bed
  • Grooming
  • Using the restroom
That's when long-term care steps in. Life is a risky business. You can't control or predict it. But you can make a plan.
Buying a long-term care insurance policy helps protect against the high cost of long-term care, should the need arise. It can help protect: 
  • Your family's resources – their time, energy, and money 
  • Your independence – your ability to participate in choosing how and where you 
    want care
  • Your assets – preserving your savings