fromboomerstoseniors.com/Long Term Care

Selecting a long term care insurance company is an important decision. You need to find a
company you can trust to help protect your assests and lifestyle as you grow in years. A
Company that's respected and recognized as a leader in quality service and products. A
Company with an innivative portfolio of plans that offer comprehensive benefits,and with
a proven track record of paying its claims.

Allied and Associated Health Services Inc, and A&A Financial Services Inc., has done the research and had the policy that fits your every need.

Now is the time to learn more about long term care and find a plan to fit your needs. We here at Allied and Associated Health Services Inc, and A&A Financial Services Inc., encourage you to gather information, find out about your options, and make a decision that best suits your goals and budget.

This site is designed to help you understand what long term care is and give you more information about our long term care insurance plans so we help put you on the right path with a peace of mind in knowing your going to be taken care of later on.

Long term care can be broadly defined as care provided by another party for the benefit of those who are unable to care for themselves. Generally, long term care refers to the personal care and other related services provided on an extended basis to people who need help with certain Activities of Daily Living (ADL's) or who need supervision due to severe cognitive impairment such as Alzheimer's Disease. Care can be provided at home, in the community, in an assisted care facility or in a nursing home.

The need for long term care can happen in an instant or gradually as a person's health declines. Some of the reasons for receiving long term care include: chronic disease, prolonged illness, injuries sustained as a result of an accident, disability, or cognitive impairment such as Alzheimer's Disease that limits a person's ability to think or reason.

We all think we won't need long term care. Yet, Americans are living longer than ever. The longer you live, the more likely you may become ill or have an accident and need some type of long term care.

In fact, you may already know of friends or family members who have needed long term care. A sudden illness or injury can happen at any age. The odds of entering a nursing home, and staying for longer periods, increase with age.

Since the passage of the Health Insurance Portability and Accountability Act (HIPAA) in 1996, it is now clear who is primarily responsible for paying for long term care: YOU.
Long term care services aren't adequately covered by most types of insurance, or governmental programs including Medicare and Medicaid.

Most private medical and major medical insurance plans do not cover long term care.
Medicare generally covers some nursing home care, but only for a limited time.
Disability insurance only replaces lost income.
Medicaid pays only for nursing home care after you have spent most of your assets.
That's why many Americans are looking at long term care insurance.

A common misperception is that long term care means staying in a nursing home. Today, there are other care options available. Long term care services can be divided into two types of care: home and community care and facility care.

Here are some examples of each type of care: