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Insurance Needs In Retirement

Long-Term Care Insurance

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Long-Term Care Insurance Information

Note: In addition to Long Term Care Insurance, we can also help with Medicare Supplements and Life Insurance.

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.

Click here for information on Medicare coverage we offer.

Our Location

MAR Insurance Group

1534 W Contour Dr, #301
San Antonio, TX 78212
Main office: 210-941-4054

Our Providers

Testimonials

We have MAR Financial for several insurance and benefits needs. They are very knowledgeable to help you get exactly what you need and their customer service is outstanding. I highly recommend MAR Financial.
Steve Barham, Boerne, TX