Long-term care (LTC) refers to a variety of services designed to help people perform the functions of daily living, to ensure they remain as independent as possible.
People with illnesses that require long-term care services often need assistance with daily activities on an ongoing basis. This may include shopping, transportation, and housekeeping as well as the activities listed below.
The insurance industry has specific definitions that it uses involving certain activities and functions. These are referred to as Activities of Daily Living (ADLs), which are:
› Transferring (moving in or out of a bed or chair)
The inability to perform two or more activities of daily living, or having a severe cognitive impairment may trigger benefits under a long-term care insurance policy. The cost of a policy is based on factors including age, policy type, coverage, and other factors.
The need for long-term care can happen at any time, not just as you age.
With over 20 years of experience, the team at Advanced LTC Insurance Services, LLC can provide competitive Long-term care coverage solutions for almost any situation. They are licensed in 49 states and contracted with the major long term care providers.
If you would like additional information on Long-term care coverage options and pricing please email us at firstname.lastname@example.org.