insuretosecure.ca - Long Term Care

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Long Term Care

Long-term care insurance provides benefits to pay the cost of health and personal care services for someone who becomes unable to care for him or herself. To ensure a comfortable future, it makes sense to purchase long-term care insurance.

The basic coverage provides benefits to pay for health and personal care services for an insured person residing in a long-term care facility. You can also purchase additional coverage that would pay for home care provided in the comfort of the insured person's own home. Home care also includes help with everyday tasks such as cooking, cleaning and shopping.

Depending on the long-term care insurance plan selected, a policy could specify that benefits be paid for one year, two years, five years, or for the insured person's entire life.

Facility Care Insurance. This insurance provides a daily benefit for every day that the insured person requires health and personal care services within a long-term care facility.

Home Care Insurance

Home care insurance is an optional benefit purchased in addition to facility care insurance. This daily benefit reimburses the cost of home care for an insured person. Home care is defined as a medically necessary long-term care program, recommended by a physician and provided by a licensed nurse or health care worker in the insured person's own home

Special Note

At present time Insurance Quotes are provided only for residents of Ontario province.