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Statistics
show that at least 6.4 million people aged 65
or older need long-term care, with one in two
over age 85 requiring care. At least half of the
population who are 85+ will need help with Activities
of Daily Living.* Such care is provided when someone
can no longer independently carry out essential
everyday activities like eating, bathing, dressing,
etc. Most people think of long-term care as something
needed by older people, but accident or illness
can strike someone of any age. When it does, they
too may find themselves in need of assistance. |
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Traditionally, women in our families have
provided this care when needed. However, today’s
smaller families may be scattered across the
country, and many women are now working outside
the home. What’s more, caring for a loved
one full-time can overwhelm even the most devoted
family member. As a result, more caregivers
than ever are turning to outside resources to
help with the care of a family member.
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Many
people automatically think of nursing homes when
they think of long-term care, but there are other
options available as well, some provided in your
own home or others in the community. This pamphlet
explains some of these long-term care arrangements,
what they cost and how to shop for a long-term
care insurance policy to help cover such expenses. |
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People
tend to think they will never need long term care.
Unfortunately when they do need it, they are not
prepared. With long term care insurance you can
take control and be prepared. It helps you: |
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- Retain your independence
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- Preserve your
quality of life |
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- Stay at home as
long as possible |
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- Maintain flexibility
in care options |
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- Protect your assets
and savings |
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- Avoid burdening
friends and family |
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As life expectancies
increase, there is a greater chance that people
will require long term care. Long term care includes
all health, social, psychological and other services
to persons requiring supportive help for a long
time. |
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