LONG TERM CARE
LTC is the care you receive either at home, in assisted living or in a nursing home when you can no longer perform "Activities of Daily Living" (ADL) due to injury, illness or advanced age. ADL's may include eating, dressing, transferring, toileting, continence and bathing.
LTC coverage can help protect you and your family from financial burden, or depleting your assets to pay for long term care. Because individuals may be denied coverage due to poor health, and because rates vary with age, it is best to apply for LTC while you are young and healthy.