Call Us 540.778.1231 ☰ ˟
Logo
Call Us 540.778.1231 | English/Español
  • Home
  • Get A Quote
    • Annuities
    • Automobile
    • Aviation
    • Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Quote Form
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Builders Risk Quote Form
      • Liquor Liability Quote Form
    • Construction
    • Daycare
    • Farm
    • Flood
    • HomeownersImage of right arrow
      • Homeowners Quote Form
      • Manufactured Home Quote
    • Hotel
    • Insurance
    • Life
    • Limousine
    • Motorcycle
    • Other
    • Recreational Vehicle
    • Renters
    • Restaurant
    • Specialty Automobile
    • Tax
    • Trucking
    • Umbrella
    • Watercraft & Boat
    • Windstorm
    • Workers Compensation
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Motorcycle
    • Recreational Vehicle
    • Watercraft & Boat
  • Blog
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Calculators
    • Important Files
    • Free Reports
    • Insurance Glossary
    • News Center
  • About Us
    • About Insure All LLC
    • Our Locations
    • Employee Directory
    • Partners
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Home > Long-Term Care Insurance Home

Long-Term Care Insurance


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.

Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Customer Service| Blog| About Us| Contact
Mailing Address
402 Lauck Lane | Stanley, VA 22851
P: (540) 778-1231 | F: (540) 778-1241 | E: (540) 778-1241
Facebook Social LinkedIn Google
Logo

Powered by Insurance Website Builder