Individual Long Term Care Insurance

What is Long Term Care?

Long Term Care includes a host of medical and non-medical services for people who have a disability or chronic illness. Long term care services help people with their activities of daily living (ADLs) including bathing, eating, toileting, dressing or mobility. It also assists those who need continual supervision due to a severe mental impairment. Long term care is not just for the elderly, you may need long term care at any age.

According to a 2008 UNUM study, 57% of their claimants are under the age of 65, and average age of claimants is 54. Some of the medical conditions that can cause the need for long term care include:

Arthritis

Heart Disease

Stroke

Severe Injuries and Brain Trauma

ALS

Diabetes

Cancer

Who Provides Long Term Health Care?

Long Term Care services can be provided by a variety of personnel including RN’s, Nurses Aides, Home Health Care workers, Chemotherapists, Nutritional Specialists Speech Therapists, Caregivers and
even Family Members.

Doesn’t Medicare cover these services?

Medicare pays only for a medically necessary skilled nursing facility or home health care. However, you must meet certain conditions for Medicare to pay for these types of care. Most long-term care is to assist people with support services such as activities of daily living. Medicare does not pay for this type of care called "custodial care."

What is Long Term Care Insurance?

Long Term Care Insurance allows you to have a plan in place to remain independent as long as possible, and to protect your hard earned assets. If you need long term care, you may choose to have services at home, in an assisted care facility or in a nursing home. Long Term Care Insurance gives you peace of mind and allows your loved ones the ability to help manage your care while providing you with the emotional support you need.

Not all long term care policies are created equal. We work with clients to design a policy that is both affordable and flexible enough to meet the needs of each individual. We represent only highly rated insurers and make sure that all policy terms and conditions provide the highest level of protection for our clients.

How would a long term health care event impact you and your family’s financial security? Here are two tools to find out in less than 3 minutes what the financial impact of a long term care event would look like:

Automated LTC Impact
Phone Line

Take 3 minutes to use this phone calculator to determine the impact on your income and assets:

DIAL 877.846.6461

LTC Impact Calculator

Short educational video with a self-calculator tool.
Click here to access the long term care impact calculator

Use the tools above to instantly learn how a long term care event would impact your family’s financial security. For a detailed report of the results please email us.

Other Individual Insurance Services

Individual Life Insurance
Disability Income Protection Insurance
Health Insurance
Dental Insurance
Medicare Supplements

Do you have sufficient protection and coverage? Free benefit review to determine your needs to ensure financial security for you and your family. Click here for your benefit review and analysis.

"PMH Associates is a valuable contributor to my business. They worked closely with us as we were forming our new compnay and helped establish a comprehensive employee benefits program. At each renewal they are proactive and thorough in their evaluation of benefit program alternatives."

Larry Barstow -
President,
Headwall Photonics, Inc.
Fitchburg, Massachusetts

PMH Associates, Inc.
20 Oak Hill Road,
Sudbury, MA 01776

tel: 978-440-8470
fax: 978-440-8480
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