Long-Term Care Planning
It’s natural to be concerned about who is going to care for you as you age and how you will pay for this care. Long-term care insurance coverage is key to effective long-term planning. Long-term care coverage helps pay for a portion of those long-term care expenses, keeping some of the financial burden off family members and helping to give you financial peace of mind.

Long-term care refers to medical and social services that support people with chronic health problems that affect their ability to perform everyday activities. Many services are included to help people with these health conditions. The goals of long-term care are much more complicated and considerably more difficult to measure than the goals of traditional medical care. Long-term care helps one live as he or she is now, though it may not help to improve or correct medical problems; the primary goal of traditional medical care is to return an individual to a previous functioning level.

Long-term care includes a broad range of services to help with activities of daily living, home health care, hospice care, adult daycare, care in a nursing home, and care in an assisted-living facility. It may also include care training and planning services for evaluation of needs and coordination and monitoring of long-term care services.

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