Long term care insurance (LTC) is for individuals above the age of 65 or anyone with disabling condition who needs nursing-home care, home-health care, and personal day care. There are six activities of daily living (ADLs), and an individual is qualified to receive the benefits if a person needs assistance with two or more activities.The six ADLs are:– Bathing– Dressing– Toileting– Transferring to bed or chair– Eating– ContinenceConsult with an advisor and plan ahead for the freedom to choose the kind of care that best fits your needs as long as possible.
