Long term care is a family issue. When someone needs care everyone gets involved, and there are major decisions about where care will be given, by whom, and how to pay the cost. Long Term Care Insurance is for the family member(s) who will be taking care of you.
Long Term Care Insurance pays for services to help people who are unable to perform certain activities of daily living without assistance. Long Term Care Insurance is available as individual insurance  or through an employer-sponsored or associate plan. You must be healthy to apply, and the premiums are based on your age when approved.
   Needing Long term care means you or someone you love is certified by their health professional that they will be unable to perform some of the Activities of Daily Living (ADLs) without assistance for at least 90 days. This lack of ADLs could be from accident or illness; ADLs include:

• Bathing
• Dressing
• Eating
• Transferring (such as from chair to bed)
• Toileting
• Maintaining Continence (control of bowel or bladder)

   Or you may need assistance due to a Cognitive Impairment, which means the deterioration or loss of intellectual capacity that requires continual supervision, such as Alzheimer’s, Parkinson, or dementia.
   Comprehensive insurance plans include choices of where care will be given: at home – mostly by family members with paid professionals assisting, in adult day care, in assisted living, or in a nursing home. The choice is made at the time care is needed with guidance from a care coordinator, nurse, or social worker, through the insurance company. This is an important benefit of the insurance plan because, no doubt, expert guidance will be necessary.

   Long term care plans are designed with only a few decisions to be made, and Bill Ridgell can guide you. Knowing the cost of home care and facility care in your community will be helpful as you design a plan for yourself and perhaps a spouse.

Long Term Care options should not be confusing.
Bill Ridgell is a Certified Planner for Long-Term Care (CLTC).
Together, you can protect your legacy.

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