Long Term Care

The purpose of long-term care insurance is to provide protection if an individual becomes disabled or can no longer care for them self. Many individuals who purchase long-term care insurance want to maintain their independence as they age and do not want become a burden to their children.

Long-term care policies act as a safety net. They normally allow you to pay for the care you may need without having to draw from your savings or retirement accounts. It protects your assets.

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you cannot perform two or more of these activities, or if you have a cognitive impairment, you may qualify for long-term care insurance.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

The professional staff at The Haberman Group can customize a policy that will provide you with the protection you and your family may need.

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The Haberman Group
145 Marcus Blvd, Suite 4
Hauppauge, NY 11788
Local: 631.499.1180
Nationwide: 866.607.4728
Fax: 631.499.1381
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