Long term care is a type of insurance that provides a monthly income benefit to help cover the expenses of growing old with a disability or organic cognitive disorder (such as dementia).  Long-term care can be provided at home, in the community, or in various types of facilities . In your home, it provides for day to day assistance you need such as shopping, housework, dressing, bathing, and other essentials.  It is also important to think about long-term care before a crisis occurs. Making long-term care decisions can be hard even when planned well in advance. We are here to educate you on the various options available and assess your individual needs.