(NAPSA)—Today’s insurance policies for long-term care have grown to include care well beyond the option of a nursing home. Policies now allow for care at home, as well as informal care provided by family membersandloved ones. “With 80 percent of care provided at home by informal caregivers, today’s long-term care insurance policies are moreflexible than ever,” said James Blackledge, senior vice president at Mutual of Omaha. “Long-term care insurance can help people enjoy the comfort of home longer and protect their assets so they don’t have to spendtheir life savings to cover long-term care ex- penses.” Savoring the Comforts of Home According to Blackledge, those in need of long-term care services wantto be able to determine their own plan of care based on their unique circumstances. Many hope to put off nursing homecare as long as possible in favor of having friends or family membersprovide care at home whenthe need arises. Realizing the physical, emotional and financial impact that caring for a loved one can have, insurance companies are responding with long-term care policies that offer coveragefor things like home modifications, home health aids and homemaker services that can help lessen the impact on family Long-term care insurance can now be usedto help people enjoy the comfort of home longer and protect their assets. members. Information on these issues can be found at www.longtermanswers.com. Some of the newest long-term care insurance policies even offer cash benefits in addition to traditional reimbursement. These benefits can be used for any type of expenses—such as lost income— that a family member mayincur to care for a loved one. Choosing an Insurance Company Experts advise selecting a company that is experienced in longterm care insurance. Since you never know whenyourfamily will require long-term care, it’s best to select a companythatis financially sound to ensureit will be around to provide you with coverage far into the future. For more information, visit longtermanswers.com.
