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What is Long Term Care Insurance?Long-term care insurance (LTC or LTCI), an insurance product that helps provide for the cost of long term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.
Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking. The Benefits of Long Term Care InsuranceLong-term care insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities. If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to seven days a week, 24 hours a day (up to the policy benefit maximum).
Other benefits of long-term care insurance:
Contact us to learn more about the right long term care insurance for you. |
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DISCLAIMER: Securities and investment advisory services offered solely through Ameritas Investment Corp. (AIC). Member www.FINRA.org / www.SIPC.org. AIC is not affiliated with Martin & Murray Wealth Solutions, LLC or other entities mentioned in this website. Additional products and services may be available through registered associates of Martin & Murray Wealth Solutions, LLC that are not offered through AIC. Securities products are limited to residents of CT, NY and NJ.
This is not an offer of securities in any jurisdiction/ nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. A Representative from Martin & Murray Wealth Solutions, LLC will contact you to provide requested information.
Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.
This is not an offer of securities in any jurisdiction/ nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. A Representative from Martin & Murray Wealth Solutions, LLC will contact you to provide requested information.
Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.