Long Term Care
Live longer, better.
WHAT IS LONG-TERM CARE?
Long-term care helps with day-to-day tasks like bathing, eating, getting dressed, and getting in and out of bed. And it includes care provided by nursing homes, assisted living facilities, adult day care centers, hospice facilities, and skilled nurses or home health aides in your (or your loved one’s) home.
If you’re not the one who needs it, there’s a good chance you’ll need to help care for a loved one. And having a long-term care plan in place can help you continue to live well without sacrificing the income, investments, and savings you’ve worked so hard for.
what we do
The price of long term care depends on a variety of factors including the type of policy, your age at the time of purchase. At the Gleason Group, we analyze the details of each carrier and policy comparing the following key factors:
- Benefit Amount & Benefit Period
- Elimination or Waiting Period
- Types of Facilities Covered
- Guaranteed Renewability
- Range of Care
- Inflation Protection
- Prior Hospitalization & Other Exclusions
- Premium Increases & Return of Premium
is it right for you?
Long-term care is something that most people may not think they need. The fact is, if you live to be 65, there’s a 70% chance you’ll eventually need some kind of long-term care. But aging isn’t the only reason to plan for long-term care – it’s there for you if a chronic illness or disabling injury prevents you from living on your own or properly caring for yourself, no matter how old you are. Below are key reasons for care:
- You want to be able to quality care quickly
- You want freedom to stay home or get care at a good facility
- You want to protect your nest egg
- You want to be able to leave an inheritance
- You don’t want to rely on your children to care for you
Forms of Care
Care is available in a number of settings, including private homes, assisted living facilities, adult day care centers, hospices and nursing homes. Long term care is available in three basic forms:
- Skilled Care. Continuous care ordered by a physician, designed to treat a medical condition. This care is performed by skilled medical personnel like nurses or professional therapists.
- Intermediate Care. Intermittent nursing and rehabilitative care provided by skilled medical personnel under the supervision of a physician.
- Custodial Care. Personal care that’s often given by family caregivers, nurses aides, or home health workers that provide assistance with activities of daily living.
|Traditional Broker||The Gleason Group|
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