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Long Term Care Insurance from Brooks P. Lynn

Long Term Care Insurance

Protect your family, your independence and your assets with Long Term Care Insurance.

Long Term Care Insurance (LTCI) helps people meets the needs for their continued health and well-being as they move into old age by providing additional coverage for care not currently given under Medicare, Medicaid and Health Insurance.

Generally LTCI pays for supervised or palliative care for people with chronic conditions, reduced mobility and cognitive dysfunctions. When people suffer from progressive conditions like Alzheimer's or Parkinson's Disease their ability to execute daily tasks is impaired. Activities of Daily Living (ADLs) such as bathing, eating and even walking become more difficult.

With the lack of independence the onus is often put on family members to aid in the day to day care of the aging person. With Long Term Care Insurance people can plan for their retirement years with additional coverage to protect themselves and their families from unforeseen hardship and financial burdens.

According to statistics approximately 60 percent of people over 65 years of age will need some form of long term care services during their retirement.

The Benefits of Long Term Care Insurance

Most Long Term Care Insurance plans cover assisted living, respite care, nursing homes, adult daycare groups, hospice care and even Alzheimer's facilities. With the additional purchase of home care coverage people will be eligible for continued home care.

These insurance plans can supplement or completely cover the expenses (up to the maximum benefit of the policy) for having a 24 hour a day, 7 days a week live-in care provider. These care providers can be a professional caregiver, private duty nurse or a close friend.

In some situations LTCI will help facilitate independence for the policy holder. Since there are varying degrees of care that will be needed from person to person care plans can allow the policy holder to retain as much independence as possible, managing some or most of their personal care on their own, with aid from home nurses only where necessary.

Long Term Care Insurance gives people the peace of mind that their daily living needs will be met as they move through old age.

Long Term Care Insurance from Brooks P. Lynn Insurance Agent