Long Term Care Insurance

Long term care is received either at home or in a facility when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, illness or advancing age.

Rising life expectancy means that the potential need for "long term care" grows with every passing year of your life. The likelihood is that you or a member of your family will need assistance due to a prolonged illness, disability or general deterioration of health and ability to perform routine daily activities. Most long term care expenses are not covered by Social Security, Medicare, Medicare Supplement ("Medigap") or private health insurance. Medicaid pays for nearly half of all nursing home care, but you must meet federal poverty guidelines and may have to "spend down" most of your assets on health care.



This website provides a basic summary of the insurance products offered by Martin & Zerfoss. It is not a statement of contract and coverage may not apply in all areas. For a complete description of coverage, please read the insurance policy, including all endorsements.