Call Us How Can We Help You Today?  | (847) 362-8007
Term Life TERM LIFE

Browse a variety of coverage options in order to find the right one for you.

Read More
Permanent Life PERMANENT LIFE

Learn about different coverage options that fit your specific needs.

Read More
 Long Term Care LONG TERM CARE

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Annuities ANNUITIES

Browse a variety of annuity options in order to find the right one for you.

Read More
Medicare Insurance MEDICARE

Learn about different Medicare Supplement options that fit your specific needs.

Read More
Auto & Home AUTO & HOME

Finding insurance doesn't have to be difficult. We do the work for you.

Read More

Long-Term Care Insurance


Long-Term Care Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Long-Term Care Insurance Information

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily

Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.

Facebook
Google+
LinkedIn
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
© Copyright. All rights reserved.
Powered by Insurance Website Builder