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Long-term care describes the type of assistance people need to perform the normal daily activities that we all take for granted—activities such as eating, bathing and dressing. Long-term care needs typically arise as part of the normal aging process, but they can also be due to an injury, illness, or a cognitive impairment such as Alzheimer’s disease.

Long-term care insurance helps pay for care services when you or a loved one requires assistance with these normal daily activities. Long-term care insurance also provides coverage when supervision due to a cognitive impairment is required. A long-term care insurance policy provides for two main types of care in a variety of settings:

• Custodial Care is the most common type of care, and includes help with day-to-day activities such as eating and dressing.
  
• Skilled Care includes nursing care and physical, occupational, respiratory, and speech therapy from licensed professionals. Skilled care may or may not be administered on a daily basis.

Contact The Niew Group today to learn more about Long-term Care Insurance and our ability to incorporate this important coverage into your overall financial plan.

The Niew Group can help you Earn it, Keep it, and Grow it.