Long Term Care Insurance

Long Term Care Insurance

Your Perfect Fit for Long Term Care Insurance

Planning ahead for medical needs includes learning about Short Term Recovery as well as Long Term Care Insurance. Medicare only pays briefly for Skilled Nursing. It does not pay for Custodial and Intermediate levels of nursing care.

The right insurance plan can provide your choice of care due to accident or illness. Some policies offer benefits to help KEEP YOU IN YOUR OWN HOME as long as possible, or in an Assisted Living Facility.

Act now to help maintain your independence with Long Term Care Insurance.


Long Term Care Insurance DEFINITIONS in Plain English

Long Term Care Insurance contains language that is not commonly used in many other types of insurance policies.

Skilled Nursing Care

Skilled Nursing Care is the most intensive level of care. Due to this, it is by far the most expensive type of care. People recovering from a stroke, heart surgery, or car wreck often need round-the-clock Skilled Care. This care can be for feeding tubes, IV therapy, and dressing of post-operative wounds.

During this time, patients often receive one or more types of therapy. For instance:

Physical Therapy to help improve balance, to regain the ability to walk, and to get up by yourself if you fall.

Occupational Therapy to regain the use of your hands and arms so you can write, paint, dress yourself, and handle a knife and fork.

Speech Therapy to regain the ability to speak clearly, and to chew and swallow food easily.

Skilled Nursing Care also includes assistance with Activities of Daily Living (ADL’s). For instance:





Transferring (from bed to chair or wheelchair, and back again)



Intermediate Nursing Care

Intermediate Nursing Care offers basic medical care on an as-needed basis, such as giving medications to the patient, catheter care, and dressing of bed sores. It does not furnish more intensive medical care such as IV therapy and feeding tubes. Recuperative care and outpatient therapy can be provided when necessary. Round-the-clock assistance with Activities of Daily Living (ADL’s) is provided with Intermediate Nursing Care.

Custodial Nursing Care

Custodial Nursing Care is sometimes called “Maintenance Care.” It gives round-the-clock assistance with Activities of Daily Living (ADL’s). Some patients may only need help with two or three ADL’s, while others might need a higher level of care, such as help with all of the ADL’s.