What Does LTC (Long Term Care) Include?

  • Assistance with activities of daily living (ADL's) such as eating, bathing, dressing, toileting, transferring, continence.

  • Around-the-clock skilled nursing care for those with prolonged physical illness, disability, or cognitive disorders, such as Alzheimer's.

  • Custodial care in an Assisted Living Facility.

  • Homemaker care, Adult Day care, Hospice care, Respite care.

  • Personal care for basic instrumental activities of daily living (IADL's), such as cooking, cleaning, laundry, or bill paying.


Please visit: http://www.state.nj.us/dobi/ins_ombudsman/ltcguide.htm and http://www.beaconfinancialgroup.net/

and contact us to assist in learning and planning for LTC needs.