People often need long-term care when they have a serious, ongoing health condition or disability, as they get older. Reasons to consider long-term care insurance may include:
- Your age
As you get older, you are more likely to need long-term care.
- Your gender
Women tend to live longer than men and are therefore more likely to need care.
- Living alone
If you live with a spouse, partner, or family member, you are less likely to need paid care.
- Your lifestyle
If you are obese, smoke, or drink excessively, you are more likely to need long-term care.
- Family history
If you have a history of medical conditions or disability, you may be at a greater risk.
About 70% of people aged 65 or older may require long-term care at some point in their life. The probability of needing personal care and health-related services increases with age if someone is disabled or has a chronic illness such as diabetes or high blood pressure that requires monitoring and regular medication. Long term care can help maximize health hand safety, protecting you or your loved one and providing professional medical care as soon as it’s needed.