Long Term Care Policy Information for Massachusetts Residents

Long-term care refers to the many services beyond medical care and nursing care used by people who have disabilities or chronic (long-lasting) illnesses. Long-term care insurance helps you pay for these services, which can be very expensive. A policy also ensures that you can make your own choices about what long-term care services you receive and where you receive them. Millions of Americans will struggle with how to pay for non-medical assistance that is required in their later years. Few want to burden their children or other family members with the responsibilities of bathing, dressing and walking. A Long-Term Care policy will provide coverage for those whose assets prevent Medicare from paying.

People are living longer and longer these days. That's good news, but the flip side of that is there are more years in which there's a risk of serious health problems. And that could literally cost all of your remaining life's savings. Unfortunately, ordinary health insurance policies and Medicare usually do not pay for long-term care expenses. With nursing home costs rising, Long Term Care has become an important component in any comprehensive insurance plan. Long-term care insurance typically covers the cost of:

• Help in your home with daily activities like bathing, dressing, eating and cleaning.
• Community programs, such as adult day care.
• Assisted living services that are provided in a special residential setting other than your own home. These services may include meals, health monitoring, and help with daily activities.
• Visiting nurses.
• Care in a nursing home.

There are a wide variety of products from trusted companies who have a proven track record in the field of Long Term Care.

If you have any specific questions regarding any life insurance coverage we offer please call 1.866.3.INSURE or click here to fill out the life insurance request a quote form and have one of our knowledgeable agents contact you at a time that suits you best.