WHO is going to take care of you when you can no longer take care of yourself and WHERE is the money going to come from”.

What are the chances in your lifetime of…

Losing a home to fire?
1 in 1200

Having a car accident?
1 in 240

Needing long term care?
Yes 70% of individuals 65 and over will require some type of long term care.

What Assistance Is Available To You?

The long term care assistance options are limited.  One can rely on the government, rely on their family and friends, plan with insurance, or pretend it won’t happen and hope for the best. Canadians would consider the differences between government help and planning with insurance as the two most viable options.

Comparison

Rely on the Government

  • You are a recipient of care. No control over who treats you, when you receive care, or what services are provided.
  • Initial and ongoing eligibility is assessed by regulated Healthcare professionals and assistance may be declined or reduced.
  • No support for instrumental activities of daily living are provided such as laundry, grocery shopping, light housekeeping or meal preparation

Plan with Insurance

  • You are a consumer of care, you have 100% control over the who, when & what is provided.
  • Eligibility for benefits is immediate upon the completion of a simple claim form signed by your doctor
  • You have the flexibility to direct your care whether that is personal care, home making or community outings.

In summary, long term care insurance provides:

  • The necessary resources when you are no longer able to care for yourself
  • Freedom to choose and control the type of care you receive
  • Peace of mind knowing that the financial cost of your care is taken care of

In conclusion, insurance is the logical solution as government assistance is limited at best.  Unfortunately, many people mistakenly want to believe that the government will take care of them when the time comes that they can no longer take care of themselves.

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