You’ve protected your family and prepared for retirement. Now, it’s time to be prepared for the long-term care event. Contact us to learn more about protecting your needs through long-term care insurance.

Long-term care is a range of services and support you may need to meet your personal care needs. Most long-term care is not medical care but rather assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living. Activities of daily living are activities that people tend to do every day without needing assistance.

There are six basic ADL’s:

• Eating
• Bathing
• Dressing
• Toileting
• Transferring (walking)
• Continence

What is Long-Term Care Insurance?

It is a product that helps provide for the cost of long-term care beyond a predetermined period. It generally covers care not covered by health insurance, Medicare, or Medicaid.