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Long-term care is not a place ... it's an event
A "post-retirement" disability

Long-term care is simply a type of disability.

Instead of limiting the ability to work and earn a living, a long-term care disability limits your ability to take care of yourself.

An "occupational" disability cuts off your income.  A long-term care disability adds expenses - forcing a reallocation of income, lifestyle compromises and eventually a loss of assets that support everything financially in retirement.

Long-term care is a "functional" disability that is most likely to occur when we live a long life, but could happen at any age due to an accident or severe illness.  Long-term care is generally measured one of two ways:

    • - Supervision for a mental limitation - a "cognitive impairment" - like Alzheimer's, dementia or as a result of a stroke or head injury.  OR
    • - Assistance with physical activities called "Activities of Daily Living" or "ADLs" - Bathing, dressing, transferring (getting in/out of a bed or chair), eating, toileting or continence.  Assistance could be as simple as stand-by, supervisory assistance to make sure you're safe.
This is called "custodial" care.  Long-term care is not acute or rehabilitative care, that's "skilled" care.



CLICK HERE to download the updated NAIC "Shopper’s Guide to LTC Insurance"
Comfort Long Term Care is an independent insurance brokerage agency specializing exclusively in LTC insurance. Agency owner, Bill Comfort, The LTCpro® is a LTC specialist celebrating 30+ years of experience since 1991! We are based in the Raleigh, Durham, Chapel Hill, North Carolina Triangle region, but we serve clients throughout NC and across the country. We also have an office in St. Louis, Missouri.
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The information on this website is for general informational and educational purposes only, and it is not intended to be a direct solicitation for the sale of any specific insurance company or policy form.  Not all policy types, options, or riders discussed in general terms on this site are available in every state.  Individual requests for specific company or policy information will be directed to a properly-licensed agent for the applicable state of residence.  For complete information about any specific coverage - including limitations and exclusions - refer to a company-specific illustration and Outline of Coverage.
  • TakeCare!
    • LTC Awareness
    • Hybrid LTC Insurance Info
    • Partnership LTC Insurance
    • Tax Guide
    • Claims
    • Glossary
  • LTC Rate Increases
  • News
  • About
    • Bill Comfort
    • Companies
    • Rinny
  • Contact