Long Term Care Insurance
Long Term Care provides a variety of services to those unable to take care of themselves. Services can range from simple help with meal preparation, to assistance with dressing or bathing, to 24-hour monitored care. Long term care is the extended personal care required when, because of chronic illness, injury, old age, or a cognitive impairment such as Alzheimer's, a person needs help with basic daily activities. Many people think long term care means "nursing home care," but it is much more than that. Today, long term care also includes home health care, adult day care, assisted living facility care, and more.
Long Term Care is not just for the elderly. You may need long term care at any age as a result of illness or injury. In fact, a 2008 survey by Unum found that 57 percent of its group long-term care claimants were under the age of 65. And long term care is very expensive. A 2006 survey by CNA found that the weighted cost of a year of nursing home care in Minnesota is $57,000.
Long Term Care Insurance provides assistance for paying the high costs associated with long term care. Municipalities in Minnesota have the unique opportunity to offer
The Municipal Pool Long Term Care Insurance available exclusively through Ochs, Inc. This plan, provided by CNA, provides a variety of plan options at affordable premiums.
Contact Ochs, Inc. for additional information.
