Long Term Care Insurance

Long Term Care Insurance provides tax-free cash if an individual requires a nursing home stay or home health care services.

Daily Benefit Amount is generally between $20 and $300 per day of care.

Maximum Benefit Limit is the period of time that daily benefits will be payable.  Periods typically ranging from about 2 years to unlimited.

Elimination Period is the period of time when no benefits are payable, generally 0 to 90 days.

If you are unable to perform two or more ADLs, you become eligible to receive benefits.  Activities of Daily Living includes bathing, continence, eating, dressing, toileting and transferring.

This is defined as the loss of mental capacity: inability to think, perceive, reason or remember.

This Insurance covers Long Term Care Facility Care, Home Care, Home Health Care, Adult Day Care, Hospice Care, Respite Care, Durable Medical Equipment and Emergency Response System.

Call us today at 905-405-1200 or Contact Us to discuss about your insurance needs and how to secure your financial future and protect your assets!