Long term care insurance
Long term care services address the health, social and personal care needs of individuals who have lost the ability to care for themselves. While a certain degree of public support is available, government programs are not comprehensive and long term care services can be costly.
Long term care insurance helps to pay for care services that other plans don‘t provide, bridging the gap between what is provided and the extra care or services you might want to access. You have more choices around the kind of care you’ll receive – whether it’s purchasing private home care or compensating a child who provides assistance.
Policies may be issued to individuals aged 21 – 80. Services may include：
▪ Nursing care
▪ Rehabilitation and therapy
▪ Personal care (help with dressing, eating and bathing)
▪ Homemaking services (meal preparation, cleaning, laundry)
▪ Have another person there to watch over you and help you when and where you need it