Michael B. Kelly Insurance Services, Inc.

Long Term Care and Disability

Long-term care is the assistance individual needs when they are unable to care for themselves and need help with Activities of Daily Living (ADLs) — bathing, dressing, transferring, toileting, continence and eating — or they have severe cognitive impairment. The need for long-term care can result from an accident, chronic illness or short-term disability, or from advancing age.

All told, 9 million people of all ages have disabilities so severe that they require personal assistance to carry out their everyday tasks. This takes a large toll on families as well, since four out of five people who take on the role of primary helper are relatives.

Do you need long-term care? Starting at approximately age 55, individuals should begin consulting with their insurance representative about long-term care.

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Michael B. Kelly Insurance Services, Inc. CA License# 0G53186 ©2010-2015 All rights reserved.
Contact via mike@mkisi.com or 831.624-6065.