LTC Explained – Video 3
At-a-Glance Summary
(“Long-Term Care Basics” Video – Karp Loshak Long Term Care Insurance Solutions)
What Counts as Long-Term Care
It’s ongoing help with everyday tasks—bathing, dressing, transferring, toileting, continence, and eating—or constant supervision for a cognitive condition such as Alzheimer’s.
When Benefits Begin
Once a doctor certifies that you will need assistance with any two of those six activities (or cognitive supervision) for at least 90 consecutive days, a long-term-care policy can start paying.
Who Confirms You Qualify
Your own physician—not a doctor hired by the insurer—documents the need for care; the carrier relies on that medical statement to approve benefits.
Where Care Can Be Received
Coverage is flexible: paid caregivers or aides in your private home, adult-day-care centers, independent-living or continuing-care communities, assisted-living residences (including memory-care units), and nursing homes. Most people prefer to stay at home, and an LTC policy keeps that option affordable.
Key Takeaways
Understanding the triggers and settings covered by long-term-care insurance clarifies why planning early is essential: it lets you choose where you receive care, preserves independence, and shields family assets from the high—and rising—costs of extended assistance.
