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Long Term Care Insurance

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What you need to know about your LTCI policy

Long Term Care Insurance (LTCI) is a valuable resource to help pay for care that is not provided through medical insurance.

In order to receive Long Term Care Insurance Benefits, most policies say that a policyholder must require assistance with at least two Activities of Daily Living (ADLs) or have cognitive impairment. Standard LTCI policies include 5 or 6 of the following ADLs:

• Bathing & Showering
• Ambulation (help with mobility and transferring)
• Assistance with personal hygiene
• Feeding
• Dressing
• Toileting

 Let the specialists at Optimal Senior Care Solutions assist you in initiating your claim.