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Introduction to Long-Term Care

Long Term Care Insurance

What is Long Term Care

Long Term Care is the assistance individuals need when they are unable to care for themselves and need help with Activities of Daily Living (ADLs) - bathing, dressing, transferring, toileting, continence (control of bodily functions), and eating - or they have severe cognitive impairment such as Alzheimer's disease. The need for long term care can result from an accident, chronic illness or short-term disability, or from advance age.

Medicare Part B

Part B is Medical Insurance and covers physicians services, outpatient care, test, and supplies. (see Medicare Part B)

Medicare Part D

Medicare started offering insurance coverage for prescription drugs through Medicare prescriptions drug plans and other health plan options. Medicare's prescription drug coverage will typically pay over half of your drug costs, for a monthly premium. (see Medicare Part D)


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