Long Term Care Planning – Long Term Care Insurance

A major part of planning for retirement should include long term care planning, and for many people this includes considering how you will pay for long term care. Long term care insurance is a popular type of insurance product that helps you to do that.

What is long term care insurance? Long term care insurance is a type of coverage that provides financial assistance when your ability to complete the daily activities of living is restricted. Often a claim can be made when you need continuous supervision because your mental condition has deteriorated or when you require substantial assistance to complete daily tasks.

What are the activities of daily living?

–          Bathing: getting in and out of the bathtub or bathing unassisted

–          Dressing: putting clothes on and taking them off on your own

–          Toileting: getting on and off the toilet unassisted

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–          Transferring: getting into and out of bed or a chair on your own

–          Continence: able to control bowel and bladder functions

Most plans will cover you if you have trouble completing 2 or more of these tasks.

How are long term care benefits paid? It depends on the policy. Some require you to pay for services upfront, and will then reimburse you.  Others will pay you a pre-determined amount that you can use to pay for a number of different services without having to prove expenses or submit receipts.

What types of services are covered by long term care insurance? Nursing care, rehab and physical therapy, personal care (assistance with things such as dressing, bathing and eating), home services (cleaning, laundry) or having someone in-house to help with your needs are all typical services covered by a long term care policy. Depending on the policy this care can take place in your own home, in a long term care facility, or in day centres.