Frequently Asked Questions

2. Is Long Term Care only available in a nursing home setting?

Definitely not. Many alternatives exist today including Assisted Living Facilities; Alzheimer's care units, Adult day care facilities, your home, or a home of a friend or family member.

The pros and cons of assistance in the comfort of your home!

Most of us assume that our spouse or another family member will be able to take care of us should we need assistance with our everyday living activities, and therefore we do not need long term care insurance. But consider this:

Will your spouse physically be able to lift you out of bed, bathe you, and carry you to the rest room?

Will your spouse be able to endure the emotional stress of doing "everything" for you; i.e., cleaning, cooking, shopping, handling all the household chores as well as providing ALL of the personal care you require? If they are able to do so, is this what you really want them to do?

Wouldn't it be better to have someone there to help?

Wouldn't it be better to have the freedom to choose?