Life Insurance & Long-Term Care

At Eifert, French and Ketchum we are ready to assist you with all of your Life Insurance & Long Term Care necessities. Life insurance can provide more than monetary death benefits for your beneficiaries. Some plans provide both death protection and savings for use during your lifetime. Whether you are young or old, it’s never too late or early to purchase life insurance for you and your family.

Long-term care (LTC) Insurance can be used for a variety of services in the area of health, personal care, and social needs of persons who are chronically disabled, ill or infirm. Depending on the needs of the individual, long-term care may include services such as nursing home care, assisted living, home health care or adult day care.

Who Needs Long-Term Care?

The need for long-term care is generally defined by an individual’s inability to perform the normal activities of daily living (ADL) such as bathing, dressing, eating, toileting, continence and moving around. Conditions such as AIDS, spinal cord/head injuries, stroke, mental illness, Alzheimer’s disease and other forms of dementia, or physical weakness and frailty due to advancing age can all result in the need for long-term care.

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