Long term care

Long-term care is a variety of services that include medical and non-medical care to people who need assistance due to a chronic illness or disability. Long-term care helps meet health or personal needs. Most long-term care is to assist people with the activities of daily living such as dressing, bathing, toileting, and transferring. Long-term care services can be provided at home, in the community, in assisted living or in nursing homes. 

Long-term care insurance is designed to cover long-term care costs if you need assistance or supervision due to impairment in your physical or mental abilities. Long-term care costs may include services rendered in your home, a nursing home, assisted living facility or adult day care. Deciding on whether to buy long-term care insurance may depend on your health, financial situation or long term goals for retirement. 

 It's a question many individuals and families grapple with as they plan for the future. While it's easy to dismiss the need for long-term care when we're healthy and independent, the reality is that life can throw unexpected challenges our way. Long-term care encompasses a range of services designed to help individuals with chronic illnesses, disabilities, or other conditions that limit their ability to perform daily activities independently. From assistance with bathing and dressing to skilled nursing care, long-term care provides essential support for those who require ongoing assistance with their daily needs.

Moreover, as our population ages and life expectancies increase, the need for long-term care becomes even more apparent. According to statistics, a significant percentage of individuals over the age of 65 will require some form of long-term care in their lifetime. Planning for long-term care ensures that individuals can maintain their quality of life and dignity as they age, without placing undue financial and emotional burdens on themselves or their loved ones. While it's natural to hope for the best, preparing for the possibility of needing long-term care is a proactive step towards safeguarding one's future and peace of mind.