In the year 2000, almost 10 million people needed some form of long-term care (LTC) in the United States. Of this population, 3.6 million (37%) were under age 65 and 6 million (63%) were over age 65 (Roger & Komisar, 2003). Recent research suggests that most Americans turning age 65 will need long-term care at some point in their lives.
Long-term care (LTC) insurance is coverage that provides nursing-home care & home-health care (skilled or custodial care) for individuals with chronic or disabling conditions. Original Medicare, as a point of clarification, does not cover custodial care. Professional long-term care is very expensive, which is why most people need insurance. Give us a call today to learn more about LTC options to protect you & your loved ones.