top of page

Long-Term Care


70% of people turning age 65 can expect to use some form of long-term

care during their lives. There are a number of factors that affect the possibility

that you will need care:


  • The older you are, the more likely you will need long-term care.



  • Women outlive men by about five years on average, so they are more likely to live at home alone when they are older.



  • Having an accident or chronic illness that causes a disability is another reason for needing long-term care.

  • Between ages 40 and 50, on average, eight percent of people have a disability that could require long-term care services.

  • 69 percent of people age 90 or more have a disability.



  • Chronic conditions such as diabetes and high blood pressure make you more likely to need care.

  • Your family history, such as whether your parents or grandparents had chronic conditions, may increase your likelihood.

  • Poor diet and exercise habits increase your chances of needing long-term care.



  • If you live alone you are more likely to need paid care than if you’re married, or single and living with a partner.                    


What is Long-Term Care?


Long-term care is a range of services and supports that you may need in order to meet your personal care needs. Most long-term care is not medical care. Rather, it is assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living (ADLs), such as:

  • Bathing

  • Dressing

  • Using the toilet

  • Transferring (to or from bed or chair)

  • Caring for incontinence

  • Eating


Other common long-term care services and supports are assistance with everyday tasks, sometimes called Instrumental Activities of Daily Living (IADLs). These include:

  • Housework

  • Managing money

  • Taking medication

  • Preparing and cleaning up after meals

  • Shopping for groceries or clothes

  • Using the telephone or other communication devices

  • Caring for pets

  • Responding to emergency alerts such as fire alarms

Long Term Care Solutions

Traditional LTC Policies     Hybrid Life Insurance     Hybrid Annuities

bottom of page