Long Term Care
Long term care is
assistance and support that addresses the health, social and
personal care needs for people who lost the ability to look after by
For example people
with a prolonged physical or chronic illness, disability or
cognitive disorder. It includes help with the everyday Activities of
Daily Living, (ADLs). It includes help for people with cognitive
impairment, such as Alzheimer’s disease or other forms of dementia.
While a certain
degree of public support is available, government programs are not
comprehensive and long term care services can be costly.
Long term care
differs from traditional medical care as it is designed to assist a
person to maintain his or her level of functioning, as opposed to
care or services that are designed to rehabilitate or correct
certain medical problems.
With Long Term
• you have more choices about the quality and amount of care you
• you have more choices around where to receive care and by whom
• your savings and investments are more likely to be preserved.
Long term care focuses on caring, rather than curing.
Why is there a need
for long term care insurance?
Each year, thousands of Canadians face the reality of needing long
term care services – either for themselves or for a family member.
At every stage of our lives we are vulnerable to accidents and
illnesses that can change the way we live:
• About 50,000 strokes occur in Canada each year. Stroke is the
leading cause of transfer from hospital to long term care.
• The average age of diagnosis for Multiple Sclerosis is 30.
• Almost all spinal cord injuries (97%) occur prior to age 50.
• The average age of major trauma patients is 43.
• 1 in 13 Canadians over age 65 is affected by Alzheimer Disease or
a related dementia.
• 7% of Canadians age 65 and over reside in health care
• An additional 28% of Canadians age 65 and over receive care due to
a long term health problem, although they who do not live in a
health care institution.
There are many misconceptions about what the government provides and
pays for, and what extended health care benefits cover. It’s
important to understand exactly what the benefits you have through
your employer or association cover, and what the limitations are. Do
they end when you turn 65, or when you leave the group? Is your
What Types of Policies Are There?
There are three
types of long term care insurance policies:
Reimburse you for eligible expenses you receive on a given day, up
to a pre-determined maximum
policies will remunerate the eligible benefit recipient for the
designated daily, weekly or monthly amount, provided qualified
expenses have been incurred.
• Income policies
It provides an income when you require care, and you don’t have to
prove you incurred any eligible expenses. The income can be used to
cover the cost of any type of service including care received from
Long Term Care
Insurance plans differ from one company to another when it comes to
benefits and other features.
Please fill out the following and click on the Submit button. We
will then review your information and we will contact you to get