What is Long Term Care (LTC)?
Hands-on care or stand-by assistance with activities of daily living. Someone with a prolonged physical illness, a disability, or a cognitive impairment usually needs LTC.

What triggers LTC benefits?
The inability to do activities of daily living (ADLs). Most companies use bathing, continence, dressing, eating, toileting, and transferring. A policy pays benefits when someone cannot do two or three of the six ADLs.

Where do people receive care?
Nursing Home, Assisted Living Facility, or at Home (Home Health Care).

What is the average annual Nursing Home Cost in Georgia?
Semi-private Room – 50,000+
Private Room – 60,000+

What is the average annual Assisted Living Facility Cost in Georgia?
Cost per Year – 30,000+

What is the average annual Home Health Care cost in Georgia?
Home Health Aid – 30,000+
Homemaker Services – 30,000+

Please remember these cost can vary depending on what area of the state you receive care. Do you need LTC Insurance? How can you buy LTC Insurance? How much do LTC policies cost? If you have any of these questions, please feel free to contact out office for answers to your questions and further information to determine whether or not you are a candidate for LTC.