Long Term Care Assisted Living

What is Long Term Care Insurance?

Long-term care insurance (LTC or LTCI), an insurance product sold in Canada, helps provide for the cost of long-term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance.

Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.

When Do I Receive My LTC Benefits?

Generally there are two types plans that cover payment either in a long term care facility or payment while you recieve care, continuing to live in your own home. You may also buy combined coverage.

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Insurance Glossary

Face Amount: The amount stated on the face of the policy that will be paid on the death of the life insured or at the maturity of the policy. It does not include additional amounts payable under accidental death or other special provisions, or acquired through the application of policyholder dividends. Also called the "sum insured".

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