© 2018 Long Term Care Consultants

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About Long-Term Care Insurance

     To better understand long-term care, let’s take a look at a typical day in most of our lives.
We are able to get out of bed, use the commode, shower, groom, dress, prepare meals, shop for essentials, care for loved ones, drive to work…and the list goes on….I think you get the picture.

     The medical community defines the human ability to function as the Six Activities of Daily Living (ADLs) which are:

  • Bathing

  • Using the commode (ability to get to commode on time and lift yourself on and off)

  • Eating (including preparation of meals, shopping, feeding ourselves)

  • Dressing

  • Transferring (carry yourself from one place to another)

  • Bowel and Bladder control

  • Or,

  • If we develop a cognitive impairment such as dementia or Alzheimer’s


     If we are injured in an automobile accident, sports-related injury, work-related injury, surgery, life-changing medical diagnosis or simply fall and break an arm or leg and we are not able to perform at least Two of the Six Activities of Daily Living, for at least 90 days, then we need long-term care.
So, if we are not able to get out of bed and use the commode or bathe ourselves, get ourselves out of the house and get to work or care for loved ones, we need long-term care. How much does long-term care cost and how do we pay for long-term care