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A long-term-care (LTC) policy helps protect your independence and your assets by paying for the cost of a stay in a nursing home, assisted-living facility, adult day-care center or extended home care. LTC insurance provides funding for your care if you cannot care for yourself. About 43% of Americans who live to age 65 will enter a nursing home or need care at home.
Most people think that LTC is something that only the elderly should consider. Actors Christopher Reeve and Michael J. Fox have raised the awareness that LTC needs can arise with any of us, at anytime. In fact, 45% of people who are receiving care today are under the age of 65.
People can require long-term care services for a variety of reasons. Sometimes a disabling accident can cause the need for care. Other times, it can be caused by illnesses such as Parkinsons disease, multiple sclerosis, stroke or heart attack.
Yes, these illnesses may affect young and middle-aged adults too.
Benefits at a Glance
- 20% Couples Discount
- Comprehensive Coverage
- Home Heath Care
- Adult Day Care
- Assisted Living Facility
- Nursing Home
- Alternate Payment Benefit (Cash benefit)
- Limited Payment Options
- Single Premium
- 10 years
- Paid up at age 65
Everyone, regardless of age, needs to carefully consider LTC as a part of their overall risk management planning. You can request more information by completing our Long Term Care Form and an LTC insurance specialist will contact you or, contact an FDA Services representative at (800) 877-7597 for further details.