Long Term Care

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The term "Long Term Care" refers to the type of medical or personal care services you need if you become unable to care for yourself because of chronic illness, disability, loss of function or mental impairment.

Long Term Care is different from traditional medical care. Traditional medical care treats physical problems directly in an attempt to permanently cure or control them. Long Term Care services only help a person maintain his or her ability to function, perform normal daily activities or maintain a normal lifestyle.

If you become physically or mentally unable to perform normal daily activities like eating, bathing, dressing and getting around, you may need professional long term care services to assist you. These services might be provided in your home, an adult day care center, an adult family home, a nursing home or in an assisted living facility.

The average cost of a nursing home stay in Texas may range from $30,000 to $50,000 or more per year. Depending on the services needed and the costs is your area, average daily rates might range from $70-$120 per day. As the percentage of older Americans rises, costs are projected to increase even further

Most Long term Care expenses are not paid for by medicare, medicare supplement insurance or other health insurance plans.

Only you, or you and a trusted financial advisor, can determine whether your personal assets, income, family situation and personal risk factors justify the expense of Long Term Care insurance coverage.

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