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Long-Term Care Overview
LTC involves the help or supervision provided for someone with severe cognitive impairment or a chronic illness or disability that prevents them from performing at least two activities of daily living. Activities of daily living include: bathing, dressing, eating, toileting, transferring, and continence.
Whether provided at home, in an assisted-living/residential-care facility, or in a nursing home, LTC can greatly impact your finances and the quality of both your life and the lives of your loved ones. That's why it's important to plan for LTC well before you need it. LTC insurance can help offset the cost of long-term care services.
If you haven't yet planned for LTC, you aren't alone. Many people have not taken this critical step because it is difficult to face the thought that they—or someone they love—may need assistance to care for themselves. Fortunately, there are ways to effectively plan for LTC to help ensure that you and your loved ones always have choices and the best quality of life possible.
The Long-Term Care Learning Center can help you make informed decisions about how to care for yourself and your loved ones. Learn more by clicking on the links above.
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