What is Long-Term Care?

Long-term care is a variety of services that includes medical and non-medical care to people who have a chronic illness or disability. Long-term care helps meet health or personal needs. Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. It is important to remember that you may need long-term care at any age.

You may never need long-term care. This year, about nine million men and women over the age of 65 will need long-term care. By 2020, 12 million older Americans will need long-term care. Most will be cared for at home; family and friends are the sole caregivers for 70 percent of the elderly. A study by the U.S. Department of Health and Human Services says that people who reach age 65 will likely have a 40 percent chance of entering a nursing home. About 10 percent of the people who enter a nursing home will stay there five years or more.

What Long Term Care Can Do For You

• Provide a safety net that will allow you to maintain your financial and emotional independence.
• Give you choice eand control over who provides your care and in what setting.
• Protect your retirement savings and the standard of living for your spouse.

About Nye Financial Group's Long-Term Care Insurance

In the effort to protect their clients from the devastating impact of nursing home and home health care costs Nye Financial Group has formed an alliance with Harding, Harding & Associates.

Since 1970 Harding, Harding & Associates has designed, critiqued, and brokered Long-Term Care Insurance. They research and bring to you the highest rated plans for Long-Term Care Insurance in Nye Financial Group's regions of operation. With over 60 years of combined experience, Harding, Harding & Associates provide sknowledge and insight that can only be gained through experience in this market.

Research and Information

• How does Long Term Care work for you? - An explanation of exactly how Long Term Care benefits work and when.
• Long Term Care Planning Considerations - Some simple questions to help you think about your Long Term Care needs.

Quotes

You can request a quote for Long Term Care coverage online via our Online Quote Request Form or print out a paper quote request form and fax.