Long term care needs happen when you can’t do the activities of daily living anymore. Older individuals aren’t the only people who need long term care. Others who need these services include people with:
• Severe mental illnesses.
• Medical issues such as strokes or brain tumors.
• Cognitive impairment such as dementia.
One of the best ways to deal with the eventuality of needing long-term care remains to purchase long term care insurance. For excellent assistance in finding the correct long term care insurance, contact a Sierra Benefits and Insurance life insurance agent Oceanside to explore your options.
Long-term care insurance covers assistance with your daily needs, including support services, personal care, and custodial care. You may have these services provided in your home or another facility that offers long-term care services. Long-term care is provided in addition to medical insurance and Medicare and comes in as a blessing if you get a disability such as dementia or another chronic illness.
If you start preparing for long term care in your 40s or 50s, you’ll be able to receive a substantial amount of services and help as you age. Insurance costs for this type of coverage significantly increase in rate between your 50s and 60s, too. Plus, if you wait too long to choose a long-term care program, you may not be eligible for such a program. You’ll take the stress off of your family members by providing for your long-term care ahead of time. And you’ll be able to have the type of health care treatment you prefer, rather than having others decide your long-term health care issues for you. Please contact our life insurance Agent Oceanside for more information on obtaining long-term care insurance, so your care will be covered and protected for the rest of your life.