Long Term Care is the care required by a person due to an illness, injury or cognitive impairment that prevents the patient from carrying out some of the activities of daily living.

It is more than nursing home care. Most of the time it is just requiring help with things like meals, dressing or getting around. Long Term Care can be administered in a patient's home, adult day care center, assisted living facility or nursing home.

40% of those who need long term care are working age adults who need care due to stroke, heart disease, disabling injuries and mental impairments. The results could be FINANCIALLY DEVASTATING. More than 75% of those who receive nursing home care become impoverished in JUST ONE YEAR!

According to the New York Times, more than half of the people over age 65 will eventually need some form of extended care.

A recent survey revealed that 1 in 5 Americans over age 50 is at risk of needing long term care services during the next 12 months. And the odds are going up. IN 2008 more than 40% of the American workforce between the ages of 40 & 54 will be caring for their parents.

Our population is aging:

1. The population of people over age 65 has grown by more than 56% in the last two decades.
2. One in seven men and one in three women who turn 65 this year is expected to spend at least one year in a nursing home.
3. 93% of all elderly people will spend time in a nursing home during their last year of life; and for every person living in a nursing home, there are four others receiving care at home.

GENERAL PLAN DESCRIPTION

Actual Costs (up to a daily limit) while confined in a nursing home.

Actual Costs (up to policy limits) for home and community based care. This includes Home Health Care, Adult Day Care, Hospice Care and Alternate Care Facility care. Costs are covered after the policy and waiting period.

1. Home and community-based care includes Nursing Care performed by a registered nurse, practical nurse or vocational nurse.
2. Care provided by a home health care aid or by a medical social worker supervised by a home health care agency.
3. Homemaker services provided by a home health care agency.
4. Therapeutic services provided by a licensed occupational, speech, physical or respiratory therapist or hospice care.

Other policy revisions include: respite care, caregiver training, bed reservations and alternate care which allows for non-standard benefits when deemed appropriate.

NOTE: PLEASE CONSIDER THIS AS AN OUTLINE ONLY OF STANDARD PROVISIONS IN A LONG TERM CARE POLICY. FOR SPECIFIC BENEFITS INCLUDING COVERAGE, LIMITATIONS AND EXCLUSIONS SEE A STANDARD POLICY.