What Is Long-Term Care?
Long-term care is the assistance individuals need when they are unable to care for themselves. The need for long-term care can result from an accident, chronic illness or short-term disability, or from advanced age. Long-term care can include a broad range of services provided in any setting outside a hospital. It might be help with simple daily tasks like bathing or dressing, or it might include skilled care in your own home, an assisted living facility, some other community resources or a nursing facility.
Call Wescom Insurance Services for more information and your free, customized quote for your Long-Term Care insurance: 1-888-4WESCOM (1-888-493-7266) extension 1080. You can also use our simple online form to get a quote for long-term care insurance.
Pre-existing Conditions
You could be declined coverage if you already have the following condition(s):
- Alzheimer's Disease;
- Severe arthritis with functional limitations;
- Diabetes which is not under control;
- Cancer within the past 6 months;
- Parkinson's Disease;
- Stroke within the past six months;
- A strokes which has caused functional limitations at any time;
- Congestive heart failure within the past six months;
- Emphysema, if severe or still smoking;
- Chronic obstructive pulmonary disease, if severe or still smoking
- Any conditions that require the assistance of another human being for basic activities of daily living: bathing, eating, going to the bathroom, or transferring in and out of a bed or chair.
