Long Term Care Resources

Prior to this, Campbell gained experience in other types of sales (retail, real estate, and life insurance). Campbell changed to long- term care insurance when he realized it would have helped his mother when his father needed nursing home care. His mother worried about paying for the nursing home care - where the money was going to come from, how long is was going to last, and whether there would enough for her to live on after paying for the nursing home care.As an independent long-term care insurance specialist, Campbell is dedicated to providing personalized service.

Long-Term Care services are those services designed to assist someone who has lost some or all of the ability to care for himself or herself due to an illness, an accident or simply the frailty of aging. Long-term care includes a wide range of services which help people maintain the normal activities of daily living; activities like bathing, continence, dressing, eating, toileting and transferring (like moving from a bed to a chair or from a chair to standing, etc.).Long-term care services can be provided in your home, in and through community resources or in a formal setting such as a nursing home or assisted living facility.

True or False - Long-Term Care Insurance is something that only older people should consider. A frequent misconception is that long-term care insurance is only for the elderly or infirm. In reality, over 50% of people receiving care today are under age 65. It's not hard to imagine why such is the case: automobile and recreational accidents (skiing, horseback riding etc.) or illnesses such as multiple sclerosis, stroke or heart attack. We all know of or can think of younger people who have had accidents which caused paralysis or someone who has a disease, such as Parkinson's.

The Federal Government and many state governments have provided tax advantages for those who purchase long-term care insurance. Following is a general discussion of some of these tax advantages. The information presented herein is not all-inclusive, nor is it intended to be. Many of the general rules discussed and examples provided have exceptions and limitations, and as a result it is possible that the general rule or example may not apply to you or your particular situation.Please note that laws and regulations change frequently and are subject to differing interpretations.