Keiber Retirement Solutions, Inc.

What Is Long-Term Care ?



Long Term Care includes a wide range of medical and support services for people with a degenerative condition, a prolonged illness or cognitive disorder. Long Term Care is not necessarily medical care, but rather "custodial care". Custodial care involves providing an individual assistance with activities of daily living or supervision of someone who is cognitively impaired.

To better understand Long Term Care, think of the activities you performed when you woke up this morning. You probably:

  • Climbed out of bed
  • Walked to the bathroom
  • Used the toilet
  • Used the bath or shower
  • Got dressed
  • Ate breakfast

While you're healthy it's easy to take these everyday routines for granted. However, when you or a loved one is stricken with a degenerative condition such as a stroke or Alzheimer's, performing these activities of daily living (ADLs) becomes impossible without the assistance of another person.

The type of care is Long Term Care. It is chronic (full-time) care and can be very expensive. Long Term Care can be provided in many settings such as nursing homes, your own home, assisted living facilities or adult day care facilities.

Disclaimer: This site is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security which may be referenced herein. These are the views of Associates of Clifton Parks, Long-Term Care specialists, and not necessarily those of the named representative, Broker-Dealer or Investment Advisor, and should not be construed as investment advice.

Insurance products are offered through insurance companies with whom KRS associates have sales arrangements. Not all products/features may be available in your state. Check with your Accountant or Tax professional on the tax issues associated with Long-Term Care insurance.

Securities and advisory services are offered through Level Four Financial, LLC, Member FINRA/SIPC. Keiber Retirement Solutions, Inc. is not owned or operated by Level Four Financial, LLC. Nor is Associates of Clifton Parks affiliated with Level Four Financial, LLC.

Level Four Financial, LLC advisors may only conduct business with residents of states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state.