Long Term Care
As you get older, there’s a good chance you’ll require some type of long term care services. Long term care provides assistance for you when you can no longer take care of yourself due to an accident, disability, or chronic illness. Long term care services are not typically covered by health insurance or Medicare and can include:
- In-home care
- Nursing home or skilled nursing facility care
- Assisted living facility care
- Adult day-care
- Alzheimer’s unit care
- Hospice care
Will you be able to afford long term care?
Long term care services are expensive:
- In 2008, the average cost to stay in a semi-private room in a nursing home for one year was $68,000.*
- The average cost of one year of in-home care was $18,000, assuming care was given by a home health aide about three times a week.*
- Long term care costs increase about 4 percent per year.**
How can long term care insurance help?
Long term care insurance provides many benefits:
- Helps pay for the high cost of this care
- Protects your retirement savings
- Helps you stay at home for as long as possible
- Helps you avoid becoming a financial burden to your children
COUNTRY® Financial offers long term care insurance plans with a variety of options to meet your individual needs. A local COUNTRY Financial representative can help you understand all your options and determine what plan is right for you.
Why choose COUNTRY?
When you purchase long term care coverage, it’s important to select a financially strong company you can trust to be there for you when you actually need to use your coverage. COUNTRY is committed to long term financial strength. COUNTRY Life Insurance Company consistently receives A+ ratings for financial strength from A.M. Best 
and TheStreet.com .
Take the next step toward your family’s financial security with a long term care insurance plan from COUNTRY.
Contact a COUNTRY Financial representative today for more information or check out our frequently asked questions.
Policies issued by COUNTRY Life Insurance Company®, Bloomington, IL. Coverage not available in all states. Read our full disclaimer.
*www.longtermcare.gov, October 2008.
**U.S. Bureau of Labor Statistics, Consumer Price Index Detailed Report, September 2009.
Policy series: LTC-500, LTC-520, LTC-540. In Idaho, LTC-500(ID12/03); LTC-520(ID12/03); LTC-540(ID12/03).
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Clients who would prefer to pay their COUNTRY policies over the phone can call 1-800-927-9354.