DUNN INSURANCE SERVICES LLC

About Long-term Care

After my heart episode, I realized that the retirement plans for my wife and I could be at risk.  I feel better knowing that we are protected.
- Dick, Phoenix, AZ

Long-term care is about responsibility...
Responsibility to yourself and to your family

Many people plan their investments for retirement but don't consider the threat to their resources that an accident or partial loss of mobility could cause them. The chance of having to utilize some type of long-term care in one's lifetime is 70% (Dept. of Health & Human Services, 2008). This could be from an accident, medical condition, disabling illness, or frailty. Disability insurance plans will replace a portion of your income while you are less productive. Only long-term care insurance pays for your care and rehabilitation allowing the decreased income to go further to take care of your family.

One of the most loving things you can do for your spouse is having a plan for your long-term care

Long-term care assists people who have lost some or all of the ability to care for themselves on a daily basis due to illness, an accident, Alzheimer's, or simply the frailty of aging.

To qualify* for long-term care benefits, an individual must have a plan of care prescribed by a licensed health care practitioner that states substantial assistance or supervision is needed for cognitive impairment or for two or more of the activities of daily living (bathing, continence, dressing, eating, toileting, transferring) for 90 days or more.

Long-term care services can be provided in the home, through community resources, or in assisted living and nursing home facilities.

*Tax-qualified plans according to HIPAA, 1996 legislation

Types of Long-Term Care

Home Care

• Care received in your own home-often provided by family and friends
• Care services by professionals
• Personal care attendants
• Homemaker services
• Home health aides
• Therapists
• Nurses

Community Care

• Supports caregivers
• Adult day care provides drop-in care during the day.
• Respite care provides temporary overnight care as a relief for caregivers.

Assisted Living Facility

• Community, apartment-like setting
• Personal and custodial care available 24/7
• Spouse/Partner is welcome as a live-in
• Predominant choice for long-term care

Nursing Home

• Institutional or hospital-like setting
• Custodial nursing care 24/7
• Skilled nursing and therapy

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