What is Long-Term Care?
What is long-term care? Long-term care includes a variety of services that may be both medically and/or non-medically necessary for people with a chronic illness or disability. Health and personal needs are met through long-term care. Generally speaking, long-term...What does “Hands-On Assistance” mean in a long-term care insurance policy?
Hands-On Assistance = Physical assistance (minimal, moderate or maximal) without which the individual would not be able to perform the activities of daily living. Source: National Association of Insurance Commissioners A Shopper’s Guide to Long-Term Care Insurance...What are ADLs in a Long-Term Care Insurance Policy?
Activities of Daily Living (ADLs) = Everyday functions and activities individuals usually do without help. ADL functions include bathing, dressing, eating, toileting, transferring from a bed or a chair, and maintaining continence. Policies use the inability to do a...What is Substantial Assistance in a Long-Term Care Insurance Policy?
Substantial Assistance = Hands-on or stand-by help required to do activities of daily living (ADLs). Source: National Association of Insurance Commissioners A Shopper’s Guide to Long-Term Care Insurance 2009Rate Increases? Check Your State
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Buy Long-Term Care Insurance Now to Save Later
NY LTC Trust Act improves on WA LTC Trust Act
Washington Long-Term Care Trust Act Still Law
Federal Judge Upholds Washington Cares Fund
Major Changes to Washington State’s Long-Term Care Program
How can I opt out of the Washington Cares Fund?
Washington LTC Trust Act Opt-Out
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