Long-Term Care Insurance
Long-Term Care Insurance Information
Welcome to The Ascension Group! Our specialty is ascending the protection level of all the families we work with. With over 17 years of experience in this industry we work hard to find the right plan or policy for you and your family.
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily
Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”
Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.
Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.
Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.
Thank you for your interest in Ascension Group - Wealth & Life Insurance. We work closely with our clients to determine the best possible coverage to fit your unique needs and budget. Please feel free to call the office in your area: Dallas - 214.277.9497, Los Angeles - 818-934.1774 or Las Vegas - 214.277.9497 or you can send us an email and an insurance professional will reply promptly.