Long Term Care (LTC) is the assistance that is provided to people who are unable to perform the Activities of Daily Living (ADLs) that healthy, fully functional people are able to do independently and on a daily basis.

The need for long term care services arises from chronic health conditions and/or physical disabilities such as a stroke, Multiple Sclerosis, Parkinsonýs or Alzheimerýs disease and are provided over a long period of time.

Long Term Care services can be received in a nursing home, assisted living facility or in oneýs own home.

LTC is not covered fully by any other type of insurance so it is important to plan early. Nearly half of all Americanýs will need long term care at some point in their lives.

It is wise to purchase this type of policy when you are younger and healthy to reduce the premium and to guarantee issue. A well rounded financial plan will help you to protect your hard earned assets.

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