What
is long-term care?
Insurance is an important tool for
protecting yourself against risk. For instance, health insurance
pays your doctor and hospital bills if you get sick or injured.
But how can you help protect yourself
against the significant financial risk posed by the potential need for
long term care
services, either in a nursing home or in your own home?
Long term care goes beyond
medical care and nursing care to include all the assistance you could
need if you ever have a chronic illness or disability that leaves you
unable to care for yourself for an extended period of time. You can
receive long term care in a nursing home, assisted-living facility,
or in your own home.
Though older people use the most
long term care services, a young or middle-aged person who has
been in an accident or suffered a debilitating illness might also need
long-term care. Beyond nursing homes, there is a range of
services available in the community to help meet long-term care needs. |
