Due to great advances in technology, people are living longer than ever before.  However, surviving disease and other illnesses may result in ongoing physical challenges.

Long term care services may be received in a variety of settings, from nursing homes to assisted living facilities, to one’s own home.  Often, the need for care increases over time, from requiring assistance a few times a week to more continual care as illness, disability, or the aging process progresses.  It’s important to secure a Long Term Care* policy tailored to one’s own needs and budget.

* Policy benefits may be reduced by any policy loans, withdrawals, terminal illness benefit, or long-term care benefits paid under the policy. Death Proceeds and Return of Premium Benefit will be reduced when long-term care benefits are taken. Values assume no prior distributions of any kind taken. Certain benefits may not be available until a specific age is attained. An elimination period may apply before long-term care benefits are available. See your policy for details.

The monthly amount reimbursed is the cost of covered long-term care expenses actually incurred, which may be less than the Monthly Maximum Benefit. The Monthly Maximum Benefit may be pro-rated based on the actual number of days that the insured is chronically ill or confined to a facility.

Long-term care insurance benefits may be subject to limitations, waiting periods, and other restrictions.