Long-term care insurance is important protection for a family that covers medical and other living expenses typically not covered by health insurance, Medicare or Medicaid. While these types of personal insurance options can help pay for immediate expenses like a hospital bill or doctor visit, long-term care insurance provides financial assistance to those coping with chronic illnesses such as Alzheimer’s disease, Parkinson’s disease, and other disabilities.
Patients and their families that struggle with such conditions often have substantial out-of-pocket expenses that can last for several months or many years. These expenses may include home care, assisted living facilities and nursing homes – all of which may be covered by long-term care insurance. In most cases long-term care insurance benefits will also cover the cost of an aid providing essential at-home care procedures like bathing and dressing; and it will also cover care expenses from therapists and nurses.
A long-term care insurance policy will help pay for the care you need when you no longer have the ability to take care of yourself and it will also protect your family’s financial future. Call us at 781-444-3050 if you have any questions concerning long-term care insurance.