What is Long-Term Care (LTC)?

Long-term care is when you are no longer able to care for yourself due to suffering from a cognitive impairment such as Alzheimer's Disease, or you need assistance in performing your Activities of Daily Living (ADLs) such as dressing, bathing, eating, toileting, transferring, and continence for an extended period of time. Long-term care services are usually performed in a nursing home, assisted living facility, in your own home, or in a community based setting. Many people believe that long- term care is only for older people, when in fact the needs for long-term care can strike anyone at anytime due to an accident or a debilitating illness.

One of the most common misconceptions is that Medicaid and Medicare will pay for LTC. However, beyond the limited long-term care benefits provided by Medicaid and/or Medicare (assuming that you meet the eligibility requirements for one or both), you are responsible for your long-term care costs, whether you choose to purchase a long-term care insurance policy to cover some or all of the cost, pay for the care out of your pocket with your assets, or rely on a family member to provide your long-term care.

To learn more about MetLife Long-Term Care Insurance, click here.

This advertisement describes MetLife Long-Term Care Insurance coverage which is underwritten by Metropolitan Life Insurance Company ("MetLife"). MetLife LTC Insurance is offered by LTC Solutions, an independent MGA licensed for MetLife. Product features and benefits do vary by state.

This website should be considered an advertisement and not a contract. The sole intent of this website is to gather information from the inquiry request and then contact the consumer to go over their specific needs.