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Long Term Care Insurance

Long term care covers all custodial care costs required by people, regardless of age, who have illnesses or disabilities where they need help with daily living activities. The need for long term care is more prevalent than most people think, and may occur at any time due to accident, illness or old age. Long term disability insurance, health insurance, Medicare and Medicaid do not cover all necessary long term care expenses.

Long Term Care Insurance helps pay expenses for custodial care in your home, day facilities, assisted living or nursing homes.  Coverage is selected for a specific period of time with a specific monthly or daily benefit amount.

WDIA recommends you purchase Long Term Care coverage at a young age since it will always be in force and your available benefit will increase with compounding interest.