Before Choosing a Health Insurance Plan Learn All About Long-Term Care (LTC).
Long-term care (LTC) is a range of services and supports you may need to meet your personal care needs.
Long-term care services include medical and non-medical care for people who have chronic illnesses..
LTC insurance policies policyholders can select a range of care options and benefits that they need.
Unlike traditional health insurance, long-term care insurance covers long-term personal and custodial care services and support.
Long-term care services include personal tasks of everyday life called Activities of Daily Living (ADLs), such as...
1- Bathing 2- Dressing 3- Using the toilet 4- Transferring to or from bed or chair 5- Caring for incontinence 6- Eating
Long-term care services also assist with everyday tasks called Instrumental Activities of Daily Living (IADLs) including:
1- Housework 2- Managing money 3- Taking medication 4- Preparing and cleaning up after meals 5- Shopping for groceries or clothes
6- Using the telephone or other communication devices 7- Caring for pets 8- Responding to emergency alerts such as fire alarms
The cost of long-term care can be affected by certain factors, such as the type and duration, the provider, and where you live.