As people begin to live longer, long-term care insurance becomes more important. Long-term care insurance helps provide for the cost of long-term care which can be incredibly expensive. It is used to cover those issues that are generally not covered by health insurance, Medicare, or Medicaid.
There is often some confusion about what this type of insurance is used for and the people who use it. Consumers should understand that individuals who require long-term care are generally not sick in the way we usually think of that word. Many of these individuals are healthy but they cannot perform the basic activities of daily living such as preparing food, eating, dressing themselves, bathing, and the like. They may need assistance with their medications, as some will often forget to take them.
Another issue that may confuse some people is that long-term care does not have to be long term. An individual may need care for only a few months to recover from surgery or illness, or they may need care for years.
It is generally assumed that as a person becomes older there will be some need for long-term care. In America, Medicare will not cover the expenses of long-term...
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