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Long-Term Care Insurance Overview 

If you are concerned that your retirement income may not be sufficient if your health should take an unexpected turn or want to preserve your legacy from the erosion that comes with cost-of-care, long-term care insurance should be a consideration. It offers benefits if you are unable to care for yourself because of a severe illness, accident, or aging. Read on for more information. 

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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.

Long-Term Care Insurance Coverage

Long-term care insurance should be a consideration if:

  • Your retirement income may not last for your lifetime should a health event occur .
  • You want to protect your legacy from erosion due to cost of care .
  • You want to choose the level of care and resources you require .
  • You want to lessen the burden on your family .
  • You don’t want to have to downsize or move to a facility .
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Long-Term Care Insurance Protects.

Long-term care insurance in Winnipeg can be purchased through a broker, like Nation West, or through an employer. It can also be added with an existing life insurance plan as a rider. It offers the following coverage:

  • Payment for critical medical services that would not otherwise be available .
  • Payment for daily living expenses so that the critically ill can focus on quality-of-life .
  • Transport for critically ill patients .
  • Payment for treatments that are not covered by a traditional policy .
  • Cover expenses for bringing care into the home .

Nation West’s brokers do long-term care insurance better, to preserve your peace of mind. Here is why people choose Nation West:

  • Our brokers don’t work for a single insurance company so will give you the gift of choice when it comes to choosing the right policy.
  • We donate a portion of our proceedings to Western-based humane societies as part of our community participation.
  • Our brokers advocate on your behalf when you need to make a claim.

For further questions, give our Nation West brokers a call to discuss what they do.

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Long-term Care Insurance Quotes For Peace Of Mind.

Day-to-day activities can be taken for granted when we’re younger, but our needs change as we age, and it is important to consider future healthcare in the event that something should happen or if our health should gradually deteriorate. In essence, long-term care insurance is a vital conversation to have. Discuss with Nation West’s long-term care insurance brokers today.

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