Long Term Care Insurance (LTCI) provides a financial safety net to cover care costs as you enter retirement. The average cost of Long Term Care nationwide can be $144,000 per year. Whether you’re planning for yourself or a loved one, LTCI offers the protection you need to maintain independence and avoid depleting your retirement savings.
In-home care provides non-medical support for individuals who wish to remain independent at home. Services include assistance with cooking, cleaning, laundry, and running errands, along with companionship and medication reminders. Making day-to-day life easier.
This flexible support can be scheduled as needed, offering relief for family caregivers and adapting to changing needs over time.
Home health aides provide hands-on personal care for those needing assistance with things like bathing, dressing, eating, and taking medication.
They offer support with essential activities, ensuring comfort and safety for individuals at home who need more direct, attentive care.
Adult day health care offers support in a community setting, allowing individuals to enjoy social activities under caregiver supervision.
Many centers provide transportation, meals, personal care, and medical services, creating a safe and engaging environment for participants while giving family caregivers a break.
Assisted living facilities provide personal care and basic health services in a residential setting, offering more independence than a nursing home. Individuals choosing this type of care do not require 24/7 monitoring and have more independence within the facility because most are able to perform several daily functions. |
Nursing homes offer the highest level of long-term care, with 24/7 supervision for those needing assistance with most daily activities. These facilities provide on-site medical care, therapy, rehabilitation, personal care, lodging, and social activities, ensuring comprehensive support.