What is Long-Term Care?

In the broadest sense,  long-term care is defined as a need for assistance with the normal activities of daily living. Long-term care can be due to a disability or impairment, whether it be physical or mental in nature. TRUE long-term care is care needed for a period greater than 100 days.

Various definitions of long-term care can be found throughout the industry. For example, traditional insurance agents will attempt to scare you into believing that care needed for less than 100 days is a serious financial risk. This may lead you to focus on "small dollars," while placing too little emphasis on the risk of "large dollars" caused by the need for true long-term care. Short-term care is financially and emotionally inconvenient; long-term care is financially and emotionally devastating. Don't let anyone tell you differently.