Comfort Long Term Care
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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.



Comfort Long Term Care is an independent insurance brokerage agency specializing exclusively in LTC insurance.  Agency owner, Bill Comfort, is celebrating 30-years of experience in 2021!  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.  Click here to learn more about us!
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  • TakeCare!
    • LTC Awareness
    • Hybrid LTC Insurance Info
    • Partnership LTC Insurance
    • Tax Guide
    • Claims
    • Glossary
  • LTC Rate Increases
  • News
  • About
    • Bill Comfort
    • TakeCare! Specialists
    • Companies
    • Rinny
  • Contact