The home health care features offered through most major LTC insurance policies can help overcome the common objection, "I don't need Long-Term care insurance because I'm never going to a nursing home."
Reasonable people can plan to live a long life. whey they age, they get sick and they they get sick, they need help. It might simply be help with day-to-day activities like cooking, cleaning, and shopping for groceries. They could need skilled care provided by a visiting nurse. Either way, it's important to know that this care can be provided at home and that LTC insurance can help pay for it."
Most major LTC insurance policies pay benefits for covered home health care expenses including the services of a registered nurse, home health aide or therapist, maintenance or personal care services to assist with activities of daily living, homemaker services, such as grocery shopping, meal preparation and housekeeping and adult daycare.
In addition, many LTC insurance products offer a care coordination feature at no extra cost and without a reduction in benefits.
People who say they don't need LTC insurance because they're never going to a nursing home simply need to be educated about how LTC insurance can keep them out of a nursing home.
Most LTC insurance products allow you to tailor a LTC insurance plan to meet a variety of needs.
Our LTC insurance specialists would be happy to help you design a plan to match your individual needs and desires
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