Long-term care insurance (LTC) helps provide the necessary funds to ensure people can afford staying in a nursing home, paying for assisted living, or even receiving care in their own homes if needed. Benefits from these types of policies are paid when a policyholder has been certified with needing hands-on help with at least 2 of the 6 most recognized Activities of Daily Living (ADLs) for a period of at least 90 days. These ADLs include: Eating Bathing Dressing Continence Toileting Transferring In addition to the common ADLs the benefits can also be triggered by the client suffering from a cognitive impairment such as dementia or Alzheimer’s. Our advisors have access to both traditional LTC insurance plans and also the popular ‘Hybrid’ plans that combine life insurance with LTC benefits as well. With tax deductible premiums for qualified plans, LTC becomes even more affordable for those trying to ensure their estate (no matter the size) will pass on to their family members.