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     INSURANCE GROUP

Long-term care services may be necessary at any age. An older adult might gradually find that day-today living is becoming increasingly difficult without help, or they may develop Alzheimer’s disease. Someone younger may have a heart attack, a stroke, a disabling accident or develop a serious chronic illness such as Parkinson’s disease. Long-term care services are generally custodial and personal in nature but, in some cases, may be rehabilitative.

Because neither medical insurance nor Medicare is primarily designed to pay for long-term care services, long-term care insurance can help provide a way for you to pay for this care. Long-term care insurance can help you retain assets set aside for retirement and can help you remain independent by providing the money to allow you to decide where and how your care will be provided.

This website is a general introduction to long-term care insurance. It defines terminology generally used in the long-term care insurance industry, presents some basic issues, and provides answers to some frequently asked questions. Insurance is technical—there’s just no way around it. And the technicalities are important — you need to understand them to know what to look for in a policy. In some cases, different insurance companies use different terms to describe similar features. We’ll be sure to define these terms that describe features and benefits of typical long-term care insurance policies. We hope you will find this website helpful. Please use it as a guideline only. By the time you are done, you should have a good, general understanding of long-term care insurance.