A long-term care policy, pays for the costs associated with
taking care of someone who can no longer take care of themselves.
A long-term care policy can pay for a non-resident helper or visiting nurse to visit daily, or we’re paid the fees charged by a local nursing home.
Long-term care claims can be processed, after we fail two of the six activities of daily living.
The six activities of daily living, have to do with the first six things we do every day.
The first thing we do in the morning is get up. This is called transfer. It is the ability to transfer from your bed onto your own two feet or into your own wheelchair without assistance.
The ability to use a toilet, and not be incontinent, are the next two ADLs.
Bathing, or showering yourself is an ADL.
Putting your clothes on, unassisted is one as well.
The last activity of daily living is feeding ourselves.
If we fail two of these tests, either due to injury, or brain malfunction, a long-term care policy will pay for these services.
Our opinion is all clients, age 60 or higher, should at least investigate and quote a long-term care policy for themselves and their spouse.
To learn more about long-term care insurance, contact us today!