As we grow older, our needs and ability to take care of everything in our lives changes. Aging is a natural process which will affect us all and, although most people plan for their retirement, they fail to plan beyond that point.
Long Term Care refers to a wide variety of medical care, personal assistance and social support that may be needed later in life. Long Term Care can also be received for shorter periods of time during an extended recovery period following an illness or accident.
Basically, long term care provides care for a person when they cannot care for themselves - either for a brief period of time or indefinitely.
Long Term Care is most often associated with the words "Nursing Home", however, that is not always true. There are several different options for care, such as: Home Health Care, Adult Day Services, Assisted Living Facilities and Nursing Facilities.
According to the United Seniors Health Cooperative (1997), the average cost of a Nursing Facility (24 hour care) can exceed $3,000 per month AND could be higher than $80,000 per year depending on where you live.
We realize these are staggering numbers and recognize how important it is to research your options carefully. Please visit our site to receive your free, no obligation quote.
About the Author
Harold Parsons has been in the insurance industry since 1970 and specializes in Long Term Care. Presently, Mr. Parsons is affiliated with and markets some of the top Long-term Care insurance companies and has over 2,500 agents nationwide. He is solely devoted to educating agents and the public about Long-term Care products through his marketing company and websites and has held numerous seminars for agents as well as consumers.