California Long Term Care Insurance

Women are especially vulnerable because they have a 50% greater likelihood of needing nursing-home care than men.

The need for long term care can strike at any time. Statistics show that 40% of people receiving long-term care services are working-age adults between 18 and 64. Would you be prepared for long term care if you suddenly required it? Whether you are married or single, with or without children, you should start considering long-term care coverage as part of your overall insurance needs.

Long term care is the type of care that you may need if you can no longer perform “activities of daily living” by yourself, such as eating, bathing, or getting dressed. It also includes the kind of care you would need if you had a severe cognitive impairment like Alzheimer’s disease. Care can be received in various settings, including your own home, assisted living facilities, adult day care centers, or hospice facilities.

Long term care can be covered completely or in part by long term care insurance. Most plans let you choose the amount of coverage you want, as well as how and where you want to use your benefits. A comprehensive plan includes benefits for all levels of care, custodial to skilled.

Long term care isn’t the type of care you receive in the hospital or your doctor’s office. It isn’t the medical care you need to get well from a sickness or an injury. It isn’t short-term rehabilitation from an accident or recuperation from surgery.

Long term care is not always administered in a nursing home. More than 80% of all people receiving long term care assistance are not in nursing homes.

The premiums for long-term care insurance are not cheap, but we can always design coverage, which will fit your budget. Premiums vary based on your age, health, benefit, elimination period, geographical location, policy type, and selected options. Married couples get a very substantial discount, sometimes up to 30%.