The need for long term care can happen to anyone ... at any time. Normally, the need for long term care results from a lengthy, chronic illness or cognitive impairment. However, something as unexpected as an accident or injury could trigger the need.
What is it?
Long term care is a variety of services and supports to meet health or personal care needs over an extended period of time. Most long term care is non-skilled personal care assistance, such as help performing everyday Activities of Daily Living (ADLs): bathing, dressing, using the toilet, transferring (to or from bed or chair), caring for incontinence and eating. The goal of long term care services is to help you maximize your independence and functioning at a time when you are unable to be fully independent.
You may wish to stay in your home and stay as independent as long as possible. Long term care insurance is one option that helps provide more independence and control over health care decisions.
Who needs it?
Long term care insurance is one option to help you plan for the high cost of future care. Long term care insurance can help relieve the emotional and financial strains a long term care need can place on you and your family. And, it can give you peace of mind knowing that you have a plan in place to help protect your assets, preserve your estate, and retain more control and choice over your future care.
What is covered?
Long term care insurance from MassMutual helps pay for the care needed when someone is unable to do everyday activities such as eating, getting dressed, bathing, maintaining continence and getting in and out of bed without assistance. Depending on the type of policy purchased, long term care insurance can provide coverage for long term care health needs in the home, community-based settings, an assisted living facility or nursing home. The goal is to provide assistance and improve the quality of life for those with chronic, long-term conditions.
Long term care insurance helps provide you with more independence and control over your health care decisions.
Prefer to speak with someone about long term care insurance?
TALK TO A FINANCIAL PROFESSIONAL
Coverage provided by Policy Series MM500-P et al. (In ID, MM500-P-ID, in PA, MM500-P-PA through MM505-P-PA, in NC, MM500-P-NC, and in TX, MM500-P-TX through MM505-P-TX) and issued by Massachusetts Mutual Life Insurance Company, Springfield MA 01111-0001. For costs and further details of coverage, including exclusions and reductions or limitations contact your agent or MassMutual at 800-272-2216 (option 4) for a referral to an agent.
The purpose of this material is the solicitation of insurance.
Insurance issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.
CRN201009-104137