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Long-Term Care Insurance


Long-term care is the term used to describe a variety of services in the area of health, personal care, and social needs of a person who are chronically disabled, ill or infirm. Depending on the needs of the individual, long-term care may include services such as nursing home care, assisted living, home health care or adult day care.


Who Needs Long-Term Care?

The need for long-term care is generally defined by an individual's inability to perform the normal activities of daily living (ADL) such as bathing, dressing, eating, toileting, continence, and moving around. Conditions such as AIDS, spinal cord or head injuries, stroke, mental illness, Alzheimer's disease or other forms of dementia, or physical weakness and frailty due to advancing age can all result in need for long-term care.


While the need for long-term care can occur at any age, it is typically older individuals who require such care.


At Viti Financial we offer individual and group long term care insurance. For more information, please contact one of our knowledgeable insurance representatives.