Long Term Care Insurance - Harford County

Long Term Care Insurance is designed to cover costs for necessary care if you are chronically ill or disabled and unable to care for yourself.  Long Term Care policies may be written to help cover the cost of home health care, nursing home costs and the cost of care in an assisted living setting.  

Assisted living care may include meals, assistance with activities of daily living such as dressing, bathing and eating or medical monitoring.    Long Term Care Insurance Policies also typically provide these services as well as a visiting nurse in your home if you do not require the higher level of care available in a facility.

It is important to realize that most health insurance policies and Medicare do not pay for Long Term Care. 

The bottom line is that today, people are living longer but not necessarily “better” in terms of a healthy quality of life.  Most people will at some point in their lives need Long Term Care.  By having a Long Term Care Policy in place you may have choices about when and where to receive care.  You will not have to be concerned with asking a relative to care for you or becoming a financial burden on your family.  Long Term Care is an important part of your financial portfolio.

Long Term Care Insurance contracts can be complex and there is much to consider before buying a policy.  Educate yourself as much as you can and then spend some time discussing your Long Term Care concerns with your Dean Insurance Long Term Care specialist.