Preserving Choice and Dignity When You Need Care
If you ever have a long-term illness, a chronic condition or Alzheimer’s disease, you may need help with things like bathing, dressing and eating. Your family may want to help you, but they may not be physically able to provide care or their busy schedules may make it difficult to devote enough time to your needs. Aides can come into your home, but these costs are not usually covered by ordinary health insurance policies and Medicare. These expenses can quickly deplete your nest egg, no matter how much you’ve saved. This is when long term care insurance can help.
Long term care insurance (LTCI) can help cover the cost of care you receive at home from nurses’ aides, home health aides and therapists. It can help cover services in an assisted living facility and, if you require skilled care, nursing home expenses can be covered.
It helps you maintain your dignity and financial freedom and gives you the flexibility to participate in making choices that impact your care — about the services you receive, where you receive them and who provides the care you need.
Someone who has a chronic condition or is returning from a stay in a hospital or rehabilitation facility may need these services, which can be covered by long term care insurance:
Nursing Home Care
Skilled In-Home Nursing Care
Adult Day Care
Hospice Care
Personal and Home Health Aides
Homemaker Services
Assisted Living Facilities
To learn more about long term care insurance, we suggest you discuss your options with your financial professional. If you do not have a financial professional, you can learn more by calling us toll free at: (888) GENWORTH (888 436.9678) or by requesting more information.
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