Long Term Care Insurance
Lafayette, Youngsville, Broussard, Scott, Carencro and Throughout Louisiana
What is 'long-term care'?
Long Term Care Insurance Information
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.
1 - Source : MANAGED CARE AND THE STATES
What our clients are saying
"As always, I am exceptionally pleased with all the many services & products my family & I have received & continue to receive from Nolan Venable & his very helpful, personable & knowledgeable staff."
-- Cindy Nearing, Youngsville, LA --
Long Term Care Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Thank you for your interest in Insurance Advisors. To begin your quote process, use our quick and easy quote forms above. If you would like to speak to one of our professionals please call 337-988-9059 or email our Insurance Advisors and we will answer your questions the same business day.
We are committed to helping you save in Lafayette, Youngsville, Broussard, Scott, Carencro, and throughout Louisiana.