Americans are living longer and it is more likely that older adults will be responsible for their own for long-term care. Long-term care insurance provides coverage for someone who can no longer perform “activities of daily living,” such as eating, bathing, or getting dressed. It also includes the kind of care needed if someone is diagnosed and living with a severe cognitive impairment like Alzheimer’s disease. Care can be received in a variety of settings, including in the home, assisted living facilities, adult day care or hospice facilities.

Most plans let an individual choose the amount of coverage he/she wants, as well as how and where he/she wants to use the benefits. A comprehensive plan includes benefits for all levels of care, custodial or skilled.

Call the McDaniel Hazley Group for an appointment to discuss your employee benefit needs at (816) 531-7500 or visit our Web site at www.mhgins.com.