• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us Call Us For A FREE Consultation
(408) 286-3000
Home
  • Home
  • Get A Quote
  • What We Offer
    • Disability Insurance
    • Employee Benefits
    • Erisa Compliance
    • Healthcare Reform
    • Human Resources
    • Health
    • Life
    • Long-Term Care Insurance
  • Resources
    • Refer a Friend
    • Insurance Glossary
  • About Us
    • About Us
    • Location Map
    • Partners
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Employee
Benefits
Healthcare
Reform
ERISA
Compliance
HUMAN
RESOURCES
Employee
Login
Individual
Coverage
Home > Long Term Care Insurance

Long Term Care Insurance

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily

Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.

Facebook
LinkedIn
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Facebook Logo
Whitaker Financial Services

Resources

Home About Us Get a Quote Refer A Friend Newsletter Contact Us Login

Contact Us

 

  • 1276 Lincoln Avenue, Suite 202
  • San Jose, CA 95125
  • (408) 286-3000
© Copyright. All rights reserved.
 

*Patrick Whitaker offers products and services using the following business names: Whitaker Financial Services - insurance and financial services | Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC - securities and investments. AIC is not affiliated with Whitaker Financial Services or any other entity mentioned herein.

Products and services are limited to residents of states where the representative is registered. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or send money. A representative will contact you to provide requested information. Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.