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Experience Independence Honesty


The term long-term care encompasses the organization, delivery, and financing of a broad range of services and assistance to people who are severely limited in their ability to function independently on a daily basis over a relatively long period of time(i.e., 90 days or more). Functional dependency can result from either physical or mental limitations and is defined in terms of inability to perform essential services of daily living(ADLs), such as eating, bathing, dressing,using the toilet, getting into or out of the bed, and moving about the house, or activities necessary to remain independent, known as instrumental activities of daily living(IADLs), such as shopping, cooking,doing laundry, managing household finances, and housekeeping."[Refer to California Long-Term Care Insurance by Thomas W.Orr ]

There's a good chance that you may need to pay for nursing home, assisted living or, home health care one day. In fact, more than half of the U.S. population will require long-term care at some point in their lives.

In California, just one year in a nursing home can cost between $35,000 and $80,000. The cost will increase if a higher level of skill is needed. In 2002, the annual average for long-term care in California was $51,000.

It is not unusual to see someone losing entire lifetime of savings in long-term care.
If you're concerned about being financially secure during your retirement years, you owe it to yourself and your loved ones to protect yourself against what could be the greatest threat to your financial security, the cost of long-term care.

“The cost of long-term care can vary quite a bit depending on what kind of care you need, where you get the care, and where you live. The chart below shows how these costs generally compare with each other.”

Select any of the long-term care services below to receive more information about that topic.

Type of Long-term Care 

Help with activities of daily living

Help with additional services

Help with care needs

Range of costs

Community-Based Services

Yes

Yes

No

Low to medium

Home Health Care

Yes

Yes

Yes

Low to high

In-Law Apartments

Yes

Yes

Yes

Low to high

Housing for Aging and Disabled Individuals

Yes

Yes

No

Low to high

Board and Care Homes

Yes

Yes

Yes

Low to high

Assisted Living

Yes

Yes

Yes

Medium to high

Continuing Care Retirement Communities

Yes

Yes

Yes

High

Nursing Homes

Yes

Yes

Yes

High

Table Courtesy: Medicare.gov
Cost of Care Survey 2009 (Courtesy: Genworth Financial)

If you are considering Long Term for yourself or someone else in the family, please fill out the following short-form to give us an idea of the applicant. We will have our affiliate long-term care specialist call you to custom-make a program to suit your needs.

* Required Field
First Name : *
Last Name : *
Date of Birth : *
Do you smoke or use tobacco : *
Height : * feet    inches
Weight : * pounds
Do you currently have a Long Term Care Policy ? : *
Address : *
Apt or Unit (if any) :
City : *
State : *
Zip Code : *
Telephone Day :
Telephone Evening : *
Cell Phone :
Email :
CAPTCHA Image :
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Write the characters in the image above : *
 


LIFE INSURANCE QUOTES
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PLEASE NOTE: By law, agents and brokers offering life insurance products cannot charge fee for service from a client. Therefore, your premium is exactly what an insurance company quotes.

Please visit our updated user-freindly quote engine: REAL TIME LIFE QUOTES.
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