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Long Term Care


OHIP does NOT pay for:

Your loss of income - Pay off your mortgage - Pay your bills - Pay your rent - Home modifications - Out of country treatments

Insurance premiums - car payments - your retirement investments etc. 

"WHAT WILL HAPPEN TO ME?"

In the event you become unable to care for yourself because of aging, an accident, or illness, a long-term care insurance plan has you covered.


Long term care insurance provides a reimbursement -style benefit if you become unable to care for yourself due to aging, an accident, illness or deteriorated mental abilities.


Long Term Care Plans will cover if you are unable to perform 2 out of 6 activities of daily living.


These are defined as follows:

Continence 

means the ability to control both bladder and bowel functions, or maintain a reasonable level of personal hygiene (including caring for catheter or colostomy bag) when not able to control bowel or bladder functions.

Feeding

means the ability to get food into your body, with or without the aid of assistive devices, through your mouth, or by feeding tube. Feeding does not include cooking or preparing a meal.

To my surprise

Insurance Companies are doing away with Income Style - Long Term Care effective September 30, 2021. Wow!!


 "Who will take care of you" if you can’t take care of yourself? Your kids? Your family members?

Age requirements


You must be between the age of 21 and 80 years old to consider this plan

Bathing 

means washing yourself with or without the aid of assistive devices in a bathtub or shower, including getting in and out of the bathtub or shower, or by sponge bath.


Bathing doesn’t include the ability to reach and wash the back or feet.

Dressing

means putting on, taking off, fastening and unfastening, with or without the aid of assistive devices: clothing, and medically necessary braces or artificial limbs.


You’re not dependent for dressing if reasonable alterations to or changes in the clothing you usually wear would let you dress yourself without substantial physical assistance.

Transferring

means moving into or out of a bed, chair or wheelchair, with or without the aid of assistive devices.

Toileting

means getting to and from and on and off the toilet, with or without the aid of assistive devices, and performing associated personal hygiene.

Who comes to mind if you need assistance in bathing, dressing, feeding, continence and toileting?


Ontario Health? I don’t think so.

At this point in my life as a 56 year old male still very active and doing things on my own, now start to think “ who will take care of me?” hmmmm something to think about.


Long Term Care is getting very expensive, along with long term caregiver facilities. We need to save our dignity with Long Term Care Plan and receive the care we deserve at home, without any burden to our kids or family.


I strongly urge you to give me a call and we really need to start a conversation on what’s important to you.


Request an Online Quote so we can finalize all your Long Term Care insurance needs.

We are in the business of alleviating family financial burdens.

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