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Long Term Care

Long-term care insurance is meant to provide coverage for long-term services and support. This includes personal and custodial care in your home or a facility. It also includes assistance with daily activities, such as getting dressed or bathing.

These policies will cover the costs when you have a chronic condition, a disability, or disorder. It’s important to know that Medicare does not cover long term care expenses. Also, many policies will reimburse you for the care you are given in places such as your home, an assisted living center, a nursing home, or an adult daycare center.

Costs and Eligibility

Applying for long-term care insurance requires you to fill out an application and answer medical questions. The insurer may or may not need to also look at your medical records. Once you are approved for this policy, choose the amount of coverage you want and then begin paying your premiums. The costs you pay for long-term care depends on several factors such as your age, health, marital status, gender, insurance company, and amount of coverage.

To be eligible for the benefits, you must not be able to do two of the six activities listed below:

  • Transferring (lifting yourself in and out of a chair or bed)
  • Caring for incontinence
  • Getting dressed
  • Bathing
  • Eating
  • Using the bathroom

If you have dementia or a cognitive impairment, you may also be eligible.

We Can Help

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Need long-term care insurance?

If you are unsure if long-term care insurance is the right investment for you, reach out to Rothrock Insurance Solutions today. We will walk you through your options, as well as help you determine your coverage needs.