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What is Long Term Care?


You’re probably asking yourself what is long term care, or do I need to have long term care coverage? Long Term Care Insurance (LTCi) is designed to assist those who have either physical or mental disorders, that cause you to no longer be functionally independent. This can be caused by an injury, illness, or the normal aging process. These physical or mental disorders affect your activities of daily living (ADLS).


  • Eating

  • Bathing

  • Dressing

  • Toileting

  • Continence

  • Transferring

Long Term Care Insurance is also designed to cover the cost of care for those who develop cognitive impairments such as Dementia, Alzheimer’s, and memory loss.

Who Needs Long Term Care?

Seniors aged 65 have a nearly 70% chance of requiring long-term care services in the future.

Women (3.7 years) stay in long-term care facilities longer than men (2.2 years).

Nurse with Patient

What Services Does Long Term Care Insurance Cover?

Polices sold today are comprehensive. They provide benefits to cover the costs for services such as:

  • Home Health Care

  • Adult Day Care Facilities

  • Assisted Living Facilities

  • Nursing Homes

  • Hospice Facilities

  • Respite Care

  • Memory Care Facilities

Why Should I Start Planning or Considering LTCi?

There are few reasons you may want to start planning or considering LTCi. As you age, you may not be fully capable of taking care of yourself. It’s important to talk to a long-term care specialist before your health changes to prevent insurability concerns and secure a long-term care plan. Others may have firsthand experiences as a caregiver with family or loves ones and understand the planning process. As you near retirement, you may want to protect your assets from being depleted from an unexpected extended period of care. Long Term Care Insurance not only protects assets, but also the burden of needing family to take care of you. It preserves an individual’s independence and allows you to continue living the lifestyle you or your loved ones have worked for. In addition, the policy would also allow you to receive care within the comfort of your own home.


To learn more about LTCi, Contact LTC Genie or request a quote  

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