LONG-TERM CARE
INSURANCEWhat is Long-Term Care?
Long-term care is the assistance individuals need when they are unable to care for them-selves and need help with Activities of Daily Living (ADLs) – bathing, dressing, transferring, toileting, continence (control of bodily functions), and eating – or they have severe cognitive impairment such as Alzheimer’s disease. The need for long-term care can result from an accident, chronic illness or short-term disability, or from advance age. Long-term care can include a
broad range of services, provided in any setting outside a hospital. It might be help with simple daily tasks like bathing or dressing. It might include skilled care in your own home, as assisted living facility, some other community resources, or a nursing facility.
F. Darrell Lindsey
Financial Planner
U.S. Licensed Agent/Broker