{"id":885,"date":"2023-09-15T04:00:00","date_gmt":"2023-09-15T04:00:00","guid":{"rendered":"https:\/\/www.collinginsurance.com\/blog\/?p=885"},"modified":"2023-09-15T16:03:17","modified_gmt":"2023-09-15T16:03:17","slug":"long-term-care-insurance-what-is-it-what-can-it-do-for-you","status":"publish","type":"post","link":"https:\/\/www.collinginsurance.com\/blog\/long-term-care-insurance-what-is-it-what-can-it-do-for-you\/","title":{"rendered":"Long Term Care Insurance: What Is It, What Can It Do For You"},"content":{"rendered":"

Health insurance will cover you should you need a hospital stay, but what about old age? Even if you avoid a tragic accident, everyone eventually gets old and may need elderly care. Long-Term Care Insurance will take care of costs should you need to enter a facility or require a live-in nurse. This will become necessary should someone over age 65 be unable to perform one of the six activities of daily life. This includes eating, dressing, bathing, transferring, toileting, or continence. A care provider may also perform instrumental activities such as cooking, housekeeping, medication management, etc. Long-term care insurance pays for what health insurance won’t.<\/p>\n

What Long-Term Care Covers <\/strong><\/h2>\n

If you are no longer able to do a number of the activities of daily life on your own or become cognitively impaired, you become eligible for the benefits of long-term care. Your age at the time of purchase may affect the cost. Women may have to pay more because, on average, they live longer than men. A pre-existing health condition may not prevent you from getting a policy. However, the policy might not cover any care germane to that specific condition for quite some time after it goes into effect. <\/p>\n

Why You Should Get It<\/strong><\/h3>\n

There are two main reasons for getting long-term care insurance. The first is to protect your savings. The other is to give you more options for your care. Long-term care can run quite expensive. Long-term care insurance may help you find a better quality of care than health insurance alone can. <\/p>\n

Contact Colling Insurance Services Inc. For Long-Term Care<\/strong><\/h2>\n

If you are in the Lakewood, CO area and looking into long-term care, consider Colling Insurance Services Inc. We’re here to help you. <\/p>\n","protected":false},"excerpt":{"rendered":"

Health insurance will cover you should you need a hospital stay, but what about old age? Even if you avoid a tragic accident, everyone eventually gets old and may need elderly care. Long-Term Care Insurance will take care of costs should you need to enter a facility or require a live-in nurse. This will become […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[470,514,516],"class_list":["post-885","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-colling-insurance-services","tag-inc","tag-lakewood-co"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t