Long Term Care

Long Term Care Insurance, will help to offset the expenses that are incurred as a result of long-term care either at home or in a long-term care facility. A long term care plan will pay you tax free benefits as long as you cannot perform any two of the basic necessary activities of daily living – eating, bathing, dressing, using the toilet, or transferring positions (in and out of a bed or chair).

There are two types of Long Term Care Insurance Policies:

– One plan reimburses you for eligible expenses you receive on a given day, up to a pre-set maximum.

– The other type of plan is referred to as income-style. It is extremely flexible and provides you with an income benefit to cover any type of service that you require from any source including family members.

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