Long term care is an insurance policy that provides you with the peace of mind that should you be physically and/or mentally incapacitated at some point in life, that you will be entitled to help with care costs.
People may decide to choose long term care if their current earnings and/or savings place them within a financial standing that would reduce their entitlement to government funded care.
Long term care can be arranged through a number of different avenues. People may decide to choose these options if their current earnings and/or savings place them within a financial standing that would reduce their entitlement to government funded care. In general you can choose to receive aid with your living requirements at home, or in a residential or nursing home.
How will my Special Risk affect this?
Some long term care plans can only be set up on the proviso that your health is already in a state of deterioration. So for some, having a special medical risk can be an advantage when setting these policies up as they will make you eligible for cover. However, it must be clear that serious conditions will probably result in a higher financial outlay to start the policy.
*Please note that Special Risks Bureau do not offer advice on long term care insurance. Enquiries about cover are referred to an authorised third party.
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