Long Term Care Quote
For various reasons, and what is often associated with aging, some people find themselves in need of help with eating, bathing, dressing, toileting, continence, and/or transferring (e.g., getting out of a chair or out of bed). These actions are called Activities of Daily Living, often referred to as ADLs. In general, if a person can not perform two or more of these activities, or if there is cognitive impairment, that person would qualify for long-term care services.
Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.
Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.
Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care – not custodial care.
We're here to help. Contact us for more information, and to help you decide what is right for your situation.
submissions or payments made via this website do not constitute a
binding agreement to your policy or coverages. Changes and
payments to policies are not effective or binding until you, or any
party involved, receive official notice from either your insurance agent,
or your insurance company. If you have any questions, please feel free to
Per the terms of our
we will not resell your information to any third-party.