Ohio Long-Term Care Insurance
Long-Term Care Quote Form
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Long-Term Care Quote Form
Long Term Care Information
Because of old age, mental or physical illness, or injury, some people find themselves frail and in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily
Living – sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”
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.
Check out our video, Kiplinger's No-Nonsense Look at Long-Term Care - And How to Pay For It
Don't fall for a one-size-fits-all solution
We offer a complimentary evaluation to help you decide the best way to approach protecting yourself from the risk of long-term care expenses. There are new and innovative ways to deal with this issue. Traditional Long-Term Care insurance may or may not be the best option for you, and you should consider both the traditional options discussed in the above video as well as alternative solutions.
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