Long Term Care Insurance – LTCI

Long-term care insurance, or LTC, is a type of private health insurance intended to cover the cost of custodial or nursing home care. It can be very expensive, and persons considering this form of insurance should not purchase it if the premiums cause financial hardship in the present.

Home care is a form of health care service provided where a patient lives. Patients can receive home care services whether they live in their own homes, with or without family members or in an assisted living facility. The purpose of home care is to promote, maintain, or restore a patient’s health and reduce the effects of disease or disability.

The goal of home care is to provide for the needs of the patient to allow the patient to remain living at home, regardless of age or disability. after surgery, a patient may require home care services that may range from such homemaking services as cooking or cleaning to skilled medical care. Some patients require home health aides or personal care attendants to help them with activities of daily living (ADL).