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Long Term Care Insurance

Long-term care is needed when you have a chronic illness or disability that causes you to need assistance with Activities of Daily Living.  Your illness or disability could include a problem with memory loss, confusion, or disorientation.  (This is called Cognitive Impairment and can result from conditions such as Alzheimer's disease.)

In 2008, about nine million Americans over the age of 65 will need long-term care services. By 2020, that number will increase to twelve million. Most people who need long-term care are age 65 or older, a person can need long-term care services at any age. Forty (40) percent of people currently receiving long-term care are adults 18 to 64 years old.