At some point in your life, you may need help moving around, dressing, bathing, eating, using the toilet or performing other activities of daily life (ADLs). Long-term care insurance can help you pay for those services.
Even if you have health insurance, you may find that your policy offers limited (if any) coverage for long-term care costs. Some health policies may pay initially, but they often will not provide coverage in the long term. Ongoing care services may cost thousands of dollars, and you and your loved ones shouldn’t have to choose between receiving care and remaining solvent. The appropriate LTC policy will help you get the care you need.