The life expectancy for the average American is 75 years for men and 84 for women. This actuarial number is constantly changing due to medical breakthroughs, and health-conscious Americans are living longer and healthier lives. However, no one is exempt from the effects of aging. Individuals who require long-term care are generally not “sick,” but are unable to perform the basic activities of daily living, such as bathing, eating, or dressing. Long-term care insurance will generally cover what is not covered by health insurance, Medicare, or Medicaid. For the most part, this includes home care, assisted living, and other care services. No one is getting any younger; it is best to obtain this coverage before you get any older or get sick and are uninsurable.
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