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Understanding Your Long Term Care Insurance Benefits, Part 5: Who Needs Long-Term Care?

This video aims to go over some of the risk factors for needing long-term care and to start to discuss the requirements for activating a claim with your long-term care insurance provider.

This video is part 5 of a video series that has been created to help individuals obtain a better understanding of Long-Term Care Insurance. More specifically, what Long-Term Care is, who needs Long-Term Care, what the types of Long-Term Care are, what Long-Term Care Insurance covers, Considerations, and whether or not someone can still purchase long-term care insurance.

The entire video series can be found here on our YouTube channel:


So who needs long-term care? It's difficult to predict how much or what type of long-term care a person might need. It's certainly not a cookie-cutter type of situation.

There are several things that increase the need for long-term care. Certainly, there's a higher chance of needing it as we get older.

Also, women live longer and typically outlive their husbands and therefore are at a higher risk of needing in-home care. Single people are more likely to need in-home care by nature of the fact that they're by themselves. This is very similar to a widowed person who is left by themself.

Also, lifestyle, health, and family history in terms of health conditions will play a part in whether or not a person will need long-term care.

When it comes time to activate a claim, you can activate a claim based on the need for assistance with performing activities of daily living or cognitive impairment. We will touch on some more details about activating a claim a little bit later in this presentation.

Thank you for watching this video. Make sure you watch the next video as we continue this discussion about long-term care insurance policies.


Home Helpers of Bradenton is one of the region's leading home care franchises specializing in comprehensive services for seniors. Home Helpers' sole mission is to make life easier for clients and their families. Based in Bradenton, Florida, the company serves all of Manatee County, including the communities of Anna Maria, Bradenton, Bradenton Beach, Ellenton, Holmes Beach, Lakewood Ranch, Longboat Key, Palmetto, and Parrish. For more information or to request a free in-home care assessment, contact our office at (941) 499-5946 or visit our website