What is long term care?
Long term care is a variety of services and supports to help meet personal care needs over an extended period of time. Long term care may involve non-skilled personal care assistance, such as help performing everyday Activities of Daily Living (ADLs), which are: bathing, dressing, using the toilet, transferring (to or from bed or chair), caring for incontinence and eating.
The need for long term care (LTC) can happen to anyone... at any time. It could be you, your spouse or partner, a parent, or even a sibling. The need for long term care may result from being chronically ill, from a severe cognitive impairment or something as unexpected as an accident or injury.
You may wish to stay in your home and stay as independent as long as possible. Long term care insurance is one option that helps provide more independence and control over health care decisions.
Is long term care right for you?
Long term care insurance is one option to help you plan for the high cost of future care. Long term care insurance may help relieve the emotional and financial strains a long term care need may place on your family. And, it may give you peace of mind knowing that you have a plan in place to help protect your assets and estate from the high costs of care as well as to help you retain more control and choice over your future care.
A LTC insurance policy may help cover the costs involved when someone is unable to do everyday activities such as eating, getting dressed, bathing, maintaining continence and getting in and out of bed without assistance. The goal for long term care services is to provide assistance and improve the quality of life for those who are chronically ill or have severe impairment, such as Alzheimer’s disease. Depending on the type of policy purchased, long term care insurance may provide coverage for long term care health needs in the home, community-based settings, an assisted living facility or nursing home.
Long term care services may help you maximize your independence and functioning at a time when you are unable to be fully independent.
Long Term Care Insurance Policy provided by Policy Forms MM500-P-2 et al. (In NC, MM500-P-2-NC) and other state variations thereof issued by Massachusetts Mutual Life Insurance Company (MassMutual), 1295 State Street, Springfield MA 01111-0001. For costs and further details of coverage, including exclusions and reductions or limitations contact your agent/producer or MassMutual at 800-272-2216 for a referral to an insurance agent/producer who will contact you.
The purpose of this material is the solicitation of insurance and an insurance agent/producer will contact you.