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Long Term Care

According to the U.S. Department of Health and Human Services (HHS), at least 70 percent of people over age 65 will require some type of long term care services at some point in their lives.  Unlike medical care, long term care is custodial in nature and the insurance is triggered by the inability to perform 2 out of 6 of the industry-defined Activities of Daily Living or ADLýs (eating, bathing, dressing, toileting, transferring and continence).

Long term care policies typically cover: home health care, assisted living and nursing home care.  The coverage is not designed to cure you, but to cover the custodial expenses that are a by-product of the natural aging process.

Any type of extended long term care can wipe out a lifetime of savings.  The median price for a private nursing home room in Connecticut tops $140,000 per year.  We can help you maintain your financial security by evaluating ways to protect against this inevitable risk.  There are long term care policies and life insurance policies with long-term care benefits.

For additional information on long term care insurance please complete our online form.