Long-term care involves a variety of services designed to meet a person’s health or personal care needs during a short or long period of time. These services help people live as independently and safely as possible when they can no longer perform everyday activities on their own. Once you lose two of the 6 activities of daily living or diagnosed with a mental impairment such as Alzheimer’s your need for LTC insurance starts! The 6 activities of daily living are feeding, bathing, toileting, grooming, transferring and dressing. As you age, you may need help with things you’ve always been able to do yourself – shopping for groceries, fixing meals, cleaning the house. You may also need help with personal services, like bathing, dressing or taking medications. A long-term care insurance policy is designed to help you pay for these types of services either in the comfort of your home or at a nursing facility! The freedom to choose is yours. A big misconception is people think Medicare will cover them, it will not! Make sure you have a game plan and schedule an appointment with our expert today.