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
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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 60%. 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. |
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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 need substantial
assistance with cognitive impairment or two or more of these activities of
daily living for at least 90 days: bathing, continence, dressing, eating,
toileting, and transferring (moving from a bed to a chair or from a chair
to standing, etc.).
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
Dunn Insurance Services LLC
4015 East Lupine Avenue
Phoenix, Arizona 85028
602-923-4949 or, toll-free: 1-866-380-2169
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