Long-term care is a variety of services provided to those unable to take care of themselves. Services can range from simple help with meal preparation, to assistance while dressing or bathing, to 24-hour monitored care. Long-term care includes not only care in a nursing home, but also in a variety of settings, including an assisted living facility and in your own home. No medical exam or questions for employees. Insurance premiums do not increase with age.
Premiums are affordable.
Hospitalization or skilled care are not required before home health benefits can be paid. And premium is waived after waiting period is satisfied. Portability allows you to take the coverage with you from job to job or when you retire. Choice of automatic or periodic inflation protection. Non-forfeiture benefit option that guarantees some coverage if your policy lapses.