This website is brought to you by
George Mellendorf, LTCP and president of LTC Solutions, an independent marketing general agent.
George is an experienced long-term care insurance
marketing and sales broker/agent who is currently licensed
in all 50 states.
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 long-term care. 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.
This advertisement describes MetLife Long-Term Care Insurance coverage which
is underwritten by Metropolitan Life Insurance Company
("MetLife"). MetLife Long-Term Care 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.
