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Quality of Life: Long Term Care Insurance

Health Seminar Annette Glasgow from United Health will present a seminar titled “Long Term Care Insurance” at 6:30 p.m. Tuesday, Sept. 17, at the Timbers of Shorewood retirement community, 1100 N. River Road.

More than eight million Americans are protected with long-term care coverage. Although age is not a determining factor in the necessity of long-term care, about 60 percent of those over 65 will need some type of long-term care services during their lifetime.

Long-term care insurance (LTCI) helps provide for the cost of care beyond a predetermined period. This insurance is developed specifically to cover the costs of nursing homes, assisted living and home health care in addition to other long-term care services (such as help with toileting, bathing and eating) which are generally not covered by health insurance, Medicare or Medicaid.

Typically these policies exclude:
•    care provided by a family member
•    care provided outside the U.S.
•    care that results from war or an act of war
•    care that results from an attempt at suicide or an intentionally self-inflicted injury
•    treatment for alcoholism or drug addiction
•    treatment provided in a government facility
United Health Group is a diversified U.S. health care company committed to introducing innovative approaches, products and services to improve personal health and promote healthier communities.

The Timbers of Shorewood is a rental retirement community which provides independent and assisted living apartments and a full schedule of activities and services. Residents, whose needs may change, are able to stay in the same place and receive appropriate care.

This event is free and open to the public. For more information, call Shelly Goggins at 815-609-0669.