Many people plan their investments for retirement but don't consider the threat to their resources that an accident or partial loss of mobility could cause them. Also, many people don't consider the cost of living longer and the exponential rise in health care costs.  

Disability plans will replace a portion of your income while you are less productive.  Only long-term care insurance pays for your care and rehabilitation allowing the decreased income to go further to take care of your family.  Long-term care assists people who have lost some or all of the ability to care for themselves on a daily basis due to illness, an accident, Alzheimers, or simply the frailty of aging.  

To qualify for long-term care benefits, an individual must need substabtial assistance with cognitive impairment or two or more of these activities of daily living (ADL) for at least 90 days:  bathing, continence, dressing, eating, toileting and transferring.

Types of Long-Term Care  

Home Care
  • Care recieved in your own home--often provided by family and friends
  • Care services by professionals
  • Personal care attendants
  • Homemaker services
  • Home health aides
  • Therapist
  • Nurses

Community Care
  • Supports care givers
  • Adult day care provides drop in care during the day
  • Respite care provides temporary overnight care as a relief for care givers

Assisted Living Facility
  • Community, apartment like setting
  • Personal and custodial care available 24/7
  • Spouse/partner is welcome as a live in
  • Predominant choice for long-term care

Nursing Home
  • Institutional or hospital-like setting
  • Custodial nursing care 24/7
  • Skilled nursing and therapy

Why LTC?

Local 360-778-1566

Mobile 360-739-6165


* $87,600 = average annual cost of nursing home care in a major city (2013)

* $240 = average daily rate for a private room in a nursing home (2013)

* $212 = average daily rate for a semiprivate room (2013)

* $20 = average hourly rate for nonskilled home health aides provided by a home health care agency

* 4.5 years = average need for LTC, after having needed care for at least one year, according to the Society of Actuaries

* 77 percent = percentage of Americans over 65 who are uninsured for LTC

* 74% of LTC policies are atarted in the home and 67% end in the home (Genworth Financial)

* 70 percent = percentage of people who will need some form of LTC after age 65 

Source:  The New Savage Number, Terry Savage; AALTCI; Genworth

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