Long-term care (“LTC”) is the assistance needed when one either requires help performing an activity of daily living (e.g., bathing, dressing, eating, etc.) or has a severe cognitive impairment such as Alzheimer’s disease. Because Medicare does not pay for long-term care services, such as assisted living, and only pays for the first one hundred days of skilled care (i.e., physical therapy or nursing), it may be important to consider purchasing a LTC insurance policy. With the creation of new hybrid insurance products, something that was once viewed as too expensive may now actually be a very practical purchase for you. We can guide you through that decision-making process in determining what exactly is best for your individual case.