Although health care insurance (or Medicare) comes in handy for taking care of immediate medical expenses, Long term care insurance is useful to pay for the help needed in chronic illnesses, disabilities, or cognitive impairment. Long term care insurance pays for assistance with some of the most basic activities of daily life like bathing, eating, dressing, getting in and out of bed etc. It is utmost important to select the proper type and limits of a Long term insurance policy. Before getting into any Long term insurance plan, please take some time to discuss it with us.