​WHAT IS LONG TERM CARE?
Long term care (LTC) is the assistance or supervision you may need when you are not able to do some of the basic activities of daily living (ADL) such as bathing, dressing, eating, continence, toileting and transferring. Others may need help because of mental deterioration called severe cognitive impairment that can be cause by Alzheimer's Disease, other mental illness or brain disorders.  A need for long term care may result from:

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      - Accidents

  - Illness

  - Advanced aging

  - Other chronic conditions   

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WHY CONSIDER LONG TERM CARE?
Have you thought about the consequences a long term care event could have on you and your family? If you aren't protected, how would that affect your retirement plans and your family?

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Long term care insurance can help you gain control and can be a practical and more affordable way to help pay the high costs of long term care services. It may also help you:

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  - Maintain your independence so you don't become a burden on your family.

  - Maintain control over how you spend your savings.

  - Have more choice in who provides your care and where you receive it.

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DID YOU KNOW?

​The average monthly cost of a nursing home facility in the state of Washington are currently running about $8,000.

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​WHAT IS YOUR PLAN?
Some people believe they can self-insure by allocating person savings for long term care. Once you do the math, however, you'll see that long term care insurance coverage may be the better option.