Long term care includes a wide range of medical, social, personal, supportive, and specialized housing services required by people who have lost some capacity for self-care because of a disabling condition or a chronic illness. Long term care has, as its goal, management, control of symptoms, and maintenance of function. This differs from traditional medical care, which treats physical problems directly in an attempt to permanently cure or control them. Types of LTC assistance include both medical and nonmedical care. Due to our expanding aging population, we are faced with complex issues related to long term care, such as accessibility, choices in care and facilities, and ways to meet the costs. The growing numbers of older individuals and their increased longevity make long term care a very challenging social and economic issue. The time to begin planning for this need is when one is younger and has the advantages of time, options, and choice.
Today there are many different long term care insurance products. Below are 3 brochures on the different products and two long term care needs analysis pages.
Prudential Long Term Care Evolution Product
Prudential Long Term Care LTC3 Product