Robert Cardona LTC
ance Solutions

License #0H04967

About Us

Long term care is care needed when you can no longer perform every day tasks (AKA activities of daily living or ADLs) by yourself due to chronic illness, aging, disability, and even injury. Though it may be more common amongst senior citizens, people of any age may find themselves needing long term care. Some of the ADLs that a long term care policy can assist you with are:
  • Personal hygiene and grooming
  • Dressing and undressing
  • Feeding oneself
  • Getting out of a bed or chair
  • Using the bathroom
  • Walking or using a wheel chair
Other services also include help with the following:
  • Housework
  • Meal preparation
  • Taking medications
  • Managing money
  • Shopping for clothes or groceries
  • Telephone use
  • Transportation services
  • Covering out-of-pocket expenses
  • Assisting family members care for the individual
  • Provides counseling
  • Possible home repairs, if applicable, such as installing grab bars, transfer benches, ramps, stair lifts, and handrails.
This kind of care can span years, and long term care insurance is one way of helping to pay for these possibly high expenses. Despite what most people think, Medicare and private health insurance programs do not pay for the majority of these services.

     LTC insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing homes, and Alzheimer's facilities. Most long term care services are informal and are provided by family members and friends. Home care coverage can also pay for a home health aide, a live-in caretaker, therapist, private nurse, or supervision by a home care agency up to 7 days a week, 24 hours a day.

E-mail me for more information on a Long Term Care insurance policy!

Robert Cardona LTC Insurance Solutions
1431 F Bittersweet Drive
Beaumont, CA 92223
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