The basics of long-term care insurance

Long-term care insurance encompasses services and support to help people with the activities of daily living, but some policies might also support needs such as caring for pets, household chores, medication management and more.

Many older adults get some peace of mind by taking steps to finance long-term care should they become incapable of living independently.

LT Care Consumer, a health care advisory company, says 70 percent of people over age 65 will require some type of care at some point in their lives. According to the 2017 Cost of Care study by Genworth Financial, the average annual cost for a private room at a nursing home is $97,455. Such costs illustrate why long-term care insurance can be a wise investment.

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