There might come a point in our lives where we simply need some help with the tasks of daily living - like washing, dressing, preparing food, and more. A long-term care policy will cover you for the type of help you might need.

There is a wide range of options to explore. Some policies might cover your stay in a personal care home; others will pay for help coming to your home. Some policies offer coverage for a defined period of time; others are indefinite. Some policies cover therapeutic services you might need; others don't. Some policies will reimburse you for services you use; others will provide a scheduled payment without you having to show what services you used.

In all cases, the message is pretty clear - we're not getting any younger and some day, we might need help. You'll want to make the decision based on your family situation, your own personal resources, and other factors. I will help you sift through the options.

long term  care