What is Long-Term Care?

Long-term care is the type of care you may need if you have a prolonged physical illness, disability or cognitive impairment (such as Alzheimer's disease) that keeps you from living independently. These limitations may prevent you from carrying out basic self-care tasks - such as bathing, dressing, or eating called Activities of Daily Living (ADLs).

Even if you think that you may never require extended care, the financial, physical and emotional consequences are so significant that they really need to be addressed.

About 70% of people over age 65 require some type of long-term care services during their lifetime.1


1U.S. Department of Health and Human Services website www.LongTermCare.gov/the-basics/who-needs-care/, 5/4/15


I’m Meredith Pensack and since 2003 I’ve helped well over a thousand people protect their retirement portfolio as well as their families. I specialize in LTC insurance solutions, including hybrid options that combine either life insurance or an annuity. This is my passion and I look forward to helping you, too.