Long-Term Care

It's never too early to prepare for the future. We work with companies whose policies provide funding in the event that you are unable to care for yourself. Long-term care policies help pay for the cost of nursing home, assisted care, adult day care or in-home care without tapping into all of your assets. You are eligible for benefits when you need help with the basic personal tasks of everyday life, also known as Activities of Daily Living (ADLs).

Most long-term care is not medical care, but rather assistance with ADLs, such as:

  • Bathing
  • Dressing
  • Using the toilet
  • Transferring (to or from bed or chair)
  • Caring for incontinence
  • Eating

Other common long-term care services and supports are assistance with everyday tasks, or Instrumental Activities of Daily Living (IADLs). However, the need for assistance only with IADLs will not trigger the benefits of a long-term care policy. Most long-term care policies will pay benefits when you cannot do two out of six ADLs.

IADLs include:

  • Housework
  • Managing money
  • Taking medication
  • Preparing and cleaning up after meals
  • Shopping for groceries or clothes
  • Using the telephone or other communication devices
  • Caring for pets
  • Responding to emergency alerts such as fire alarms

Learn more about long-term care:

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