One of the important aspects about long term care insurance is the concept of “accessibility”. That word means many different things to different people but taken in the context of long term care the central point is a person’s ability access things either directly for themselves, or by the help of others. Usually the help of others comes in the form of skilled care either in the home or in a facility.
This is where long term care insurance comes into play. If you are in need of assistance carrying out your daily activities, you will need to access assistance that can ensure you accomplish things. We all know ltc insurance will overcome your inability to access all of the things you take for granted day in and day out.
However, what are the thresholds to getting long term care insurance. Is it possible to be denied, the ability to guarantee accessibility in the future?