Long Term Care

Long Term Care Insurance is designed to cover long-term services and supports, which are not covered by you Health Insurance Plan, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, and eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them. If you are in poor health or already receiving long-term care service, you may not qualify for long-term care insurance as most individual policies require medical underwriting. In some cases, you may be able to buy a limited amount of coverage, or coverage at a higher "non-standard" rate.

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