WHAT IS LONG TERM CARE (LTC) INSURANCE?

Picture yourself the first 10 minutes of each day – getting out of bed: toileting, bathing, dressing – without any assistance.

You take these activities for granted, because you can do them alone.

But suppose someone else has to help you out of bed, bathe, dress, toilet, and eat.

Then you are one of the 10 million folks in America needing personal care – called Custodial or Long Term Care.

Or it can be a cognitive impairment, such as Alzheimers or Dementia.

This Custodial Long Term Care is very expensive and is a national concern. It is only paid for by your cash or Medicaid if you deplete your assets.