Long-Term Care

It’s no secret that Americans are living longer than in decades past – and, most are aware that Social Security can no longer be counted on as a viable resource. That said, there has never been a more crucial time to seek out long-term care insurance for those whose medical conditions require them to live in a skilled nursing or convalescent facility.

Whether you are seeking a policy for yourself or a loved one, selecting a plan that protects the interests of the insured – potential needs that are both foreseen and unexpected – is of utmost importance.

What does long-term insurance care cover?

Most policies of this nature are intended to insure individuals who require living assistance in addition to round-the-clock healthcare access. Therefore, they typically cover:

1. Assistance with daily activities
2. Skilled nursing care
3. Rehabilitation
4. Other care-oriented tasks
   (as opposed to “cure-oriented”)    

Why purchase long-term care insurance?

The most critical reason to purchase this type of insurance is because Medicare coverage for long-term care is rarely, if ever, obtained – even for existing Medicare members.

Most often, individuals who require this type of care, yet opt out of purchasing the insurance to cover its expenses, rely on the savings, assets, and disposable income – their own as well as their families’.   

With the help of OC Health Insurance, the burden of long-term care expenses for you or your loved one can be significantly alleviated.