The need for long term care usually arises because of age, chronic illness, injury, or disability.
Long term care may be required if you can no longer perform "activities of daily living" by yourself, such as eating, bathing, or getting dressed. The definition of this term also applies to the type of care you would need if you had a severe cognitive impairment like Alzheimer's disease. Long term care can be received in a variety of settings, including your own home, assisted living facilities, adult day care centers, or hospice facilities.
Many people think that long term care is only for seniors or retired persons, but the reality is that the need for long term care can occur at any time. Even working-age individuals need to be prepared for this possibility. If long term care becomes necessary, the related expenses can be financially ruinous without proper insurance coverage.
Please contact the Carlisle Insurance Agency today, so that we can familiarize you with coverage options for long term care and help you choose the plan that is best for you.
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