Long Term Care
For a large number of Americans, health insurance and traditional life insurance packages are enough to keep them and their families insured. Nonetheless, additional coverage is needed by many. Julie Whitehead, New York Life Insurance Agent, offers extensive coverage options to insure the care of those who need it most.
LTC insurance can cover custodial and personal care costs for anyone who cannot care for themselves. Interestingly, this means that long-term care insurance is not limited to only seniors—suppose you require long-term care at any point in your life, you can easily benefit from long-term health care insurance.
Long-Term Care Insurance (LTC) helps cover the medical expenses of nursing home costs or extended home health care beyond a specified period. Generally, individuals who need long-term care can no longer take care of themselves and cannot perform the basic activities of daily living (BADLs) without assistance or the dependent help of a caregiver.
Long-term care costs can be expensive and are typically not covered under basic health insurance, Medicare, or Medicaid. Long-Term Care Insurance from Julie Whitehead, New York Life Insurance Agent, can protect your family’s financial future by providing valuable coverage benefits.
Individuals who want to purchase long-term care insurance must meet specific conditions in order to qualify for its benefits. Talk to Julie Whitehead, New York Life Insurance Agent, to learn more about long-term care insurance and whether you should add it to your current policy.