Long term care is a variety of services and supports to help meet personal care needs over an extended period of time. Long term care may involve non-skilled personal care assistance, such as help performing everyday Activities of Daily Living (ADLs), which are: bathing, dressing, using the toilet, transferring (to or from bed or chair), caring for incontinence and eating. Long term care services may help you maximize your independence and ability to function at a time when you are unable to be fully independent.
The time to create a plan in case you need long term care is now, while you are healthy. The earlier you begin planning, the more options you may have to continue living life on your terms. Should a serious illness, an accident or injury cause you to need assistance with your daily activities, or should you have a severe cognitive impairment, a plan can help you prepare to receive the care you want — in the setting you choose. It can also help protect your assets, retirement funds, and your estate from being depleted to provide care.
SignatureCare 600 is a participating long term care insurance product that provides a pool of benefits (Total Benefit Amount) to reimburse Covered Expenses for Qualified Long Term Care Services received in a Facility or through a Home and Community-Based Service, up to a specified Daily Benefit Amount.