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Long Term Care Insurance

Long Term Care InsuranceIt provides you with financial assistance to maintain your quality of life, and maintain your independence. Long Term Care insurance provides a daily benefit ($10 - $300/day) if you lose the ability to care for yourself, and require the services of a long term care facility or professional assistance at home. Long Term Care is a range of medical services designed for patients who require on-going care from medical professionals, like nurses and medical service aids. It is ordered by a physician and can be provided in either a long term care facility or in a patient’s own home.

I know how much you cherish your personal and financial independence. It’s been a key goal all your life. So now that Canadians are living longer, it’s even more important for you to take steps to protect your financial resources from long-term health care needs.

Why? Because studies show that as a result of living longer, as many as half of us will require some form of long term care over age 65. That means there’s a good chance that you or I will someday require extended professional health care.

According to Health Canada, seniors (65 years and over) constitute the fastest growing population group in Canada. As the ”Baby Boomers” age, our Government health Insurance Plans will be forced to deal with a growing need for medical care.

Already, almost half of Canadian workers have eldercare responsibilities that impact on time and financial resources, even with government aid. So it’s no surprise that the financial implications of long term care need to be addressed.

Here are some of the costs patients face today:

  • Depending on their province, Canadians can spend up to $4,770.00 a month out of their own pocket for facility care that’s subsidized by government programs.
  • The cost for private, non-subsidized retirement homes ranges from $2,500 to $7,000 CDN a month.
  • Even if you choose to remain at home when getting the care you need, you’ll still need to pay for private nursing, and for services such as shopping, cooking and cleaning.
There is a way to protect your assets and lifestyle.
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