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Long Term Care Insurance from Financial Architects 
Learn more about comprehensive long term care (LTC) insurance

The following information is only applicable to residents of Alaska, Colorado, Connecticut, District of Columbia, Illinois, Iowa, Massachusetts, Missouri, New Jersey, New York, North Dakota, Ohio, Puerto Rico, Rhode Island, South Carolina and Utah. The information provided is not intended for residents outside of these states.

Long term care (LTC) is a variety of services and supports to help meet personal care needs over an extended period of time. Long term care commonly involves 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 or supervision due to a severe cognitive impairment such as Alzheimer’s.

The goal of long term care services is to help you maximize your independence and functioning at a time when you are unable to be fully independent. You may wish to stay in your home and stay as independent as long as possible.

Who needs LTC?

The need for long term care can happen to anyone…at any time. It could be you, your spouse or partner, a parent or even a sibling. The need for long term care may result from a lengthy, chronic illness or a severe cognitive impairment. However, something as unexpected as an accident or injury could also trigger the need for long term care.

LTC Insurance: A planning option

Long term care insurance is one option that helps provide more independence and control over care decisions. It can help you plan for the high cost of future care and it may help relieve the emotional and financial strains a long term care need may place on your family.

And, knowing that you have a plan in place to help protect your assets and estate from the high costs of care and to help you retain more control and choice over your future care may provide peace of mind.

LTC Insurance: What is covered?

Long term care insurance helps cover the costs involved when someone is unable to typically perform a certain number of everyday activities such as eating, getting dressed, bathing, maintaining continence and getting in and out of bed without assistance.

A comprehensive LTC insurance policy may provide coverage for long term care services in the home, community-based settings, an assisted living facility or nursing home. The goal for long term care services is to provide assistance and improve the quality of life for those with chronic, long-term conditions.

Long Term Care Insurance Policy provided by Policy Forms MM500-P et al. and other state variations thereof issued by Massachusetts Mutual Life Insurance Company, Springfield MA 01111-0001. For costs and further details of coverage, including exclusions and reductions or limitations contact your insurance agent or MassMutual at 800-272-2216 for a referral to an insurance agent who will contact you. The purpose of this material is the solicitation of insurance and an agent/producer may contact you.