Long Term Care

Senior CoupleAs the baby boomers age, trying to remain independent and have a quality of life where there is control over choices on how life is lived becomes difficult and more expensive. As people age, activities of daily living such as bathing, eating, dressing, toileting, continence, transferring and supervision due to cognitive impairment (i.e. Alzheimers) may create large extra expenses that may ruin cash flow or even threaten the premature liquidation of an estate. Long term care insurance helps one live as he or she desires by paying for services that include help with daily living, home health care, respite care, hospice care, adult day care and care in a nursing home or assisted living facility.