The life expectancy for the average American is 75 years for men and 84 for women. This actuarial number is constantly changing as medical break throughs and health conscious American are living a longer and more healthier life. However, no one is exempt from the effects of aging. Individuals who require long term care are generally not “sick,” but are unable to perform the basic activities of daily living, such as bathing, eating, or dressing. Long term care insurance will generally cover what is not covered by health insurance, Medicare or Medicaid. This, for the most part includes, home care, assisted living and other care services. No one is getting any younger; it is best to obtain this coverage before you get any older or get sick and are uninsurable.
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