Should You Purchase Long Term Care Insurance – Long-term care insurance is a policy that helps cover the costs of supporting daily activities. If you can’t take care of yourself
Long-term care for the elderly or disabled can be very expensive. This often costs hundreds of dollars a day. A long-term care insurance policy can give you peace of mind if you need care you can afford.
Should You Purchase Long Term Care Insurance
Like other types of insurance You must pay a premium (monthly, quarterly or yearly) to the insurance company for coverage. If you need long-term care Insurance companies set your premiums based on factors such as your age and health. as well as the type of policy and benefits you are purchasing. The cost is typically thousands of dollars per year.
Where Can I Buy Long Term Care Insurance? (2023)
Each policy is different. So check the specifics of any policy you’re considering to make sure it has the type of coverage you need.
Long term care insurance policies are not cheap. but not long-term care Here are some things you should know if you’re considering a policy:
There is one type of insurance that everyone needs, such as car insurance if you have a car. Life insurance if you have dependents or health insurance due to cost So long-term care insurance isn’t cheap.
When in doubt Business consultants such as financial planners can help you make business decisions
Investing In The Future: Federal Long Term Care Insurance
Long-term care insurance is a policy that can help cover medical expenses and other services for the elderly or disabled. when purchasing regular premiums You may be eligible for home care, moving, parental care. or other help When you have an underlying disease These conditions occur later in life and can lead to disability and diseases such as Alzheimer’s disease. Most policies provide care in places such as your home, nursing homes, life support centers. and nursing homes But do you need an LTC policy?
In 2019, an AARP survey indicated that 63% of adults spent $0 on long-term care costs. Additionally, 13% spent more than $150,000 on long-term care costs. Below is a great article detailing statistics about LTC in the US.
These are things to consider. And buying a cheap policy will help you sleep better at night. But when should you start purchasing an LTC policy? Couples must start looking for a policy at age 55. If you are married You can wait until the age of 62. There are two types of LTC policies. Both have advantages and disadvantages.
A typical LTC policy has a monthly premium for specific coverage. Insurance premiums can go up. And this is a use-or-lose policy.
Why You Should Consider Getting Long Term Disability Insurance
Hybrid LTC policies are pre-financed. There is no monthly fee like a normal policy. For example, a person pays $100,000 and earns $5,000 per month until the $100,000 is gone. You can get your premium back if you cancel your policy. However, these policies come with a sales commission of 5-7% on sales.
Ultimately, there is no right or wrong answer to getting an LTC insurance policy, so some people prefer an LTC policy for the above reasons. However, others may be able to fund their own LTC needs or may have family members help them. he Most importantly, the presence or absence depends on various aspects. But LTC insurance is essential in deciding whether your health and wealth will decide it. For more ways in which Benold Financial Planning can help with your insurance needs. Please go to the address below. If you are one of these people This article will give you the information you need to help you decide if it’s right for you.
Long-term care insurance is a way to protect yourself and your family from the financial damage that can cause the need for long-term care. The problem is that many people don’t realize the need for such protection until it’s too late – but with the right planning. These high costs can be avoided.
Although now you are strong and healthy. But you still have to take care of yourself as you get older. Especially if you are dealing with serious health issues. Of course, these health issues increase the need for good care.
Is Long Term Care Insurance A Good Bet?
Of course, you can pay these expenses out of pocket. or better Divert your savings blindly. And hopefully your family will be able to afford the costs in your old age. However, paying for long-term care insurance is a great way to ensure you’re covered in old age. It can be used to pay for specific medical expenses, such as medical bills if you have cancer. Alzheimer’s disease or disability
Most long-term care insurance policies will reimburse expenses related to care in your own home. in the nursing home in the nursing home or in care. Usually, nursing homes require you to move.
Why buy long-term care insurance? There’s a good chance you’ll need some help as you get older. about half of all Americans and according to the Urban Institute and the U.S. Department of Health and Human Services. About 14% of seniors should be kept for more than five years.
If you think your normal health insurance covers it. think again Although some life insurance policies offer an accelerated death benefit. But that’s not the case with health insurance. Not all types of long-term care are covered. Medicare doesn’t help you much. It only covers a small amount of home medical expenses for convalescence or skilled nursing. or a short stay
Long Term Care Insurance: The Ultimate Guide
Medicaid can sometimes be used to help pay for long-term care. But you have to use up all your savings first – not an ideal situation.
It’s important that you consider whether you want to invest in long-term care insurance before there is a need for this type of care. It’s like life insurance or health insurance. You can’t wait until you want to buy protection. Also, you won’t be successful if you have a strong and weak stance.
That said, many people wait to purchase long-term care insurance until they’re 50 or 60, so if that sounds like you, don’t worry, there’s plenty of time to shop for coverage.
First, you fill out an application and answer health questions. Just as you apply for the same coverage, such as life insurance, you will often need to submit a medical history or conduct an interview. Either over the phone or in person.
Long Term Care
You can then select the coverage you want. Often times, policies will limit the amount of daily premiums and the amount of lifetime premiums.
After you have been approved for coverage You will start paying premiums for long-term care insurance. You may benefit if you are unable to do at least two to six independent activities each day. It could be because of your physical condition or because you have a mental health problem. in everyday life
Activities of daily living with beneficial qualities include eating, dressing, bathing, going to the bathroom. Management of incontinence and changes (such as leaving your home or bed)
When you’re ready to make a claim and decide you want treatment. The insurance company will review the medical records from your doctor. They may refer you to a nurse to be examined. But before accepting your claim Your provider must approve your care plan.
Careshield Life: The New National Long Term Care Insurance Scheme For The Age 30s And Older
There’s a good chance you’ll be paying for a few days out of pocket before you’re billed for these long-term care costs. So don’t spend all your savings thinking that this is all your care. to cover Called the cancellation period, there’s a 30-90 day gap that you have to post the bill.
The policy will start paying you more after you accept the benefit, in most cases paying the daily limit for maintenance up to the living limit. There are policies that offer joint custody options for husbands. so that the husband can share the coverage This is very helpful if the wife needs care but the other doesn’t.
You can purchase long-term care insurance through an agent or directly from the company. In many cases, you can purchase a policy.
Should i purchase long term care insurance, when should i purchase long term care insurance, at what age should you purchase long term care insurance, when should you purchase long term care insurance, should you have long term care insurance, who should purchase long term care insurance, how to purchase long term care insurance, purchase long term care insurance, what age should you purchase long term care insurance, should you get long term care insurance, when to purchase long term care insurance, should you buy long term care insurance
Long Term Care Facilities Near Me Long Term Care Facilities Near Me - Alzheimer's long term care facilities, best long term care facilities near me, long term nursing care facilities near me, long term care facilities…
Mutual Of Omaha Long Term Care Insurance Reviews Mutual Of Omaha Long Term Care Insurance Reviews - Mutual of omaha long term disability insurance, mutual of omaha long term care brochure, mutual of omaha insurance company long term…
Should I Purchase Long Term Care Insurance Should I Purchase Long Term Care Insurance - Long-term care insurance is a policy that helps cover the cost of assistance with daily activities if you are unable to care…
What Is Long Term Care Insurance What Is Long Term Care Insurance - Long-term insurance is insurance that helps cover the costs of day-to-day care and services if you are unable to take care of yourself.Long-term…
Long Term Care Insurance Policies Long Term Care Insurance Policies - The decision to move to an older residential area is not always easy. Sometimes you have to make decisions on behalf of a loved…
When Should I Get Long Term Care Insurance When Should I Get Long Term Care Insurance - Aging can be a beautiful thing – after devoting most of their time to work, planning their future, and trying to…
Long Term Care Insurance Purchase Long Term Care Insurance Purchase - Long-term care insurance (LTC) provides financial assistance to people with chronic illnesses and disabilities, often seniors, who need help with basic tasks such as…
Long Term Care Insurance Rates By Age Long Term Care Insurance Rates By Age - Long-term care insurance (LTC) provides financial assistance to people with chronic illnesses and disabilities, usually the elderly, who need help with important…
Average Length Of Long Term Care Average Length Of Long Term Care - Source: Kaiser Family Foundation estimates based on the Census Bureau's March 2016 Current Population Survey (CPS: Annual Social and Economic Supplement). Estimates based…
Who Should Have Long Term Care Insurance Who Should Have Long Term Care Insurance - Long-term care is an increasingly popular topic in the media and in conversations with friends, family members, and financial advisors. As we…
Should You Have Long Term Care Insurance Should You Have Long Term Care Insurance - Many people are not sure if they need long term insurance. If you are one of those people, this article will give…
When Should You Purchase Long Term Care Insurance When Should You Purchase Long Term Care Insurance - Although much of our focus is on helping families through thick and thin and connecting families with available resources in their…
Hybrid Long Term Care Insurance Policies Hybrid Long Term Care Insurance Policies - Long term care life insurance hybrid, long term care insurance hybrid policies, hybrid long term care insurance, long term care insurance policies, best…
Who Should Purchase Long Term Care Insurance Who Should Purchase Long Term Care Insurance - GET MY FREE QUOTE Protect your family from huge storage costs plus get a free e-book Get my quote and free ebook!It…
Types Of Long Term Care Insurance Types Of Long Term Care Insurance - You may be wondering why you should consider a senior living community that offers a Life Care Type A policy, especially if you…
Purchase Long Term Care Insurance Purchase Long Term Care Insurance - The older you are, the harder it is to get long-term care insurance. If you are interested in purchasing this insurance, it is better…
What Is Hybrid Long Term Care Insurance What Is Hybrid Long Term Care Insurance - Today, as we wrap up Long Term Care Planning Month, Steve Cain returns to the show to discuss hybrid long term care…
Different Types Of Long Term Care Insurance Different Types Of Long Term Care Insurance - You may be wondering why you should consider a senior living that offers type A lifetime care when you already have health…
How Much Does Long Term Care Insurance Cost Per Month How Much Does Long Term Care Insurance Cost Per Month - Long-term care services include assistance with activities of daily living such as bathing, eating, dressing, using the bathroom, etc.…
Long Term Care Insurance Policies Cost Long Term Care Insurance Policies Cost - Nursing services include assistance with daily activities such as bathing, eating, dressing, using the toilet, etc. Long-term care in their lives. About 30%…
Long Term Care Life Insurance Long Term Care Life Insurance - While John Hancock does not offer a traditional long-term care insurance policy, it does offer hybrid life with a long-term care rider that serves…
Which Long Term Care Insurance Is Best Which Long Term Care Insurance Is Best - Assisting Hands Home Care provides professional non-medical home health care services that allow our clients to live safely and comfortably in their…
Average Cost Of Long Term Healthcare Insurance Average Cost Of Long Term Healthcare Insurance - Long-term care can be a sensitive topic Not exactly what you want to talk about at the dinner table No one wants…
Top Rated Long Term Care Insurance Companies Top Rated Long Term Care Insurance Companies - Disclaimer: This is sponsored content. All opinions and views are those of the advertiser and do not necessarily reflect those of WFTS.According…
Average Long Term Care Costs Average Long Term Care Costs - With CareShield Life Supplement Singapore you can become a guardian angel if you are seriously disabled due to illness or injury. With this extra…
Long Term Care Insurance Policy Costs Long Term Care Insurance Policy Costs - A conversation between me and my healthy 78-year-old father about the need for cataract surgeryMe: I don't want you to decide now. Think…
Average Cost For Long Term Care Insurance Average Cost For Long Term Care Insurance - Many or all of the products featured here belong to our partners who compensate us. It affects what products we write about…
Top Rated Long Term Care Insurance Top Rated Long Term Care Insurance - According to the Ministry of Health, there is a high chance that Singaporeans may become severely disabled after retirement (age 65). Long-term care…
Best Rated Long Term Care Insurance Policies Best Rated Long Term Care Insurance Policies - Disclaimer: This is sponsored. All views and opinions are those of the publisher and do not necessarily reflect those of WFTS.According to…
What Age Should I Buy Long Term Care Insurance What Age Should I Buy Long Term Care Insurance - Often, consumers seek long-term care insurance when it is too late. The cost of the care they want, usually home…
Should I Purchase Long Term Care Combined With Life… Should I Purchase Long Term Care Combined With Life Insurance - If the last few times have taught us anything, it's that life is unpredictable. In these times when more…
Best Rated Long Term Care Insurance Best Rated Long Term Care Insurance - Disclaimer: This is sponsored content. All views and opinions are those of the advertiser and do not reflect those of WFTS.According to the…
What Age Should I Get Long Term Care Insurance What Age Should I Get Long Term Care Insurance - "Dan Payne communicated clearly and concisely, answered all my questions and took the time to educate me. Dan is courteous.…
Price Of Long Term Care Insurance Price Of Long Term Care Insurance - While most of our focus is on helping families with the funeral and burial process and connecting families with resources available to them…
Ratings Of Long Term Care Insurance Companies Ratings Of Long Term Care Insurance Companies - Disclaimer: This is sponsored content. All views and opinions are those of the publisher and do not necessarily reflect those of WFTS.According…
New York Life Hybrid Long Term Care Insurance New York Life Hybrid Long Term Care Insurance - Whatever life brings, we want you to be ready. With Asset Flex from New York Life Insurance and Annuity Corporation, you'll…
Best Long Term Care Insurance Consumer Reports Best Long Term Care Insurance Consumer Reports - Disclaimer: This is sponsored content. All views and opinions are those of the advertiser and do not reflect the views of WFTS.About…
Long Term Care Insurance Claims Long Term Care Insurance Claims - An often used and misunderstood aspect of Medicaid is long term care benefits. Medicaid is not the same as long-term care insurance, but many…
New York Life Long Term Care Insurance New York Life Long Term Care Insurance - Whatever life brings, we want you to be ready. With Asset Flex from New York Life Insurance & Annuity Corporation, you'll have…
Compare Long Term Care Insurance Rates Compare Long Term Care Insurance Rates - The most commonly used and misunderstood aspect of Medicaid is its long-term care benefits. Medicaid is not synonymous with long-term care insurance, but…
Hybrid Long Term Care Insurance Reviews Hybrid Long Term Care Insurance Reviews - Of course, you can get long-term insurance if you have pre-existing conditions. It is a misconception that you cannot get insurance if you…
Long Term Care Insurance Policy Types Long Term Care Insurance Policy Types - The world of insurance can be difficult at times. With so many products available in the market, it is not always easy to…
Purchase Term Life Insurance Online Purchase Term Life Insurance Online - What is life insurance? These are plans you can put in place to keep your life and your family's finances afloat in the event…
Ratings Of Long Term Care Insurance Ratings Of Long Term Care Insurance - You should buy long-term care insurance now to save later. why? A good question with an easy answer. Do you want the state…
Comparison Of Long Term Care Insurance Policies Comparison Of Long Term Care Insurance Policies - While Singapore is not a welfare state, there are some measures in place to ensure that Singaporeans have some safety net when…
Advantages Of Long Term Care Insurance Advantages Of Long Term Care Insurance - As November is Long Term Care Month, Brad Tisdale, MS, CLTC tackles recent articles on long-term care insurance by highlighting its importance and…
Different Types Of Long Term Care Facilities Different Types Of Long Term Care Facilities - Before we dive into the different types of care, let's first talk about what long-term care is. Long-term care provides round-the-clock services…
Short Term Care Insurance Policies Short Term Care Insurance Policies - Limited "Swiss cheese" coverage in short-term health insurance plans can cost you more than you think because you have to pay for something the…
At What Age Should I Buy Long Term Care Insurance At What Age Should I Buy Long Term Care Insurance - Expensive long-term treatment for lowering the jaw. According to Genworth Financial, the national average cost of living in private…
Advantages And Disadvantages Of Long Term Care Insurance Advantages And Disadvantages Of Long Term Care Insurance - One of the most used and misunderstood aspects of Medicaid is its long-term care benefits. Medicaid isn't the same as long-term…
Long Term Care Insurance Quote Online Long Term Care Insurance Quote Online - One of the most important healthcare features in Singapore is the availability of MediShield Life, a basic health insurance that covers treatment in…
Average Cost Of Long Term Care Average Cost Of Long Term Care - Long-term care is a concern for many of us, especially those who are retired or approaching retirement, but is often overlooked in financial…
At What Age Should You Purchase Long Term Care Insurance At What Age Should You Purchase Long Term Care Insurance - Given the choice, the vast majority of American adults still choose to receive long-term care in their own home…
Best Long Term Care Hybrid Policies Best Long Term Care Hybrid Policies - Free Online Workshop! Learn how in-vehicle technology like blind spot warnings and drowsiness alerts can help make driving safer.It's a fact of life:…
New York Life Long Term Care Costs New York Life Long Term Care Costs - Two of the most common types of life insurance are term life and universal life, and each has its own unique advantages…
Transamerica Long Term Care Insurance Claims Transamerica Long Term Care Insurance Claims - To save later, you need to buy long-term care insurance now. Why? A good question with a simple answer. Do you want your…
Long Term Care Insurance Policy Long Term Care Insurance Policy - You should buy long-term care insurance now to save later. Why? Good question with an easy answer. Do you want your state to take…
Trustmark Universal Life With Long Term Care Trustmark Universal Life With Long Term Care - Universal Life Insurance Trustmark Life Insurance Company of New York What would their life be like without you? Case Name Date: The…
New York Life Long Term Care Reviews New York Life Long Term Care Reviews - Products and services to help you make the right choice. Although authors and editors follow strict procedures for presenting information, our articles…
Mutual Of Omaha Long Term Care Brochure Mutual Of Omaha Long Term Care Brochure - You should buy long-term care insurance now to save later. Why? Good question with an easy answer. Do you want your government…
Transamerica Long Term Care Claims Transamerica Long Term Care Claims - You should buy long term care insurance now to save for later. Why? A good question with a simple answer. Would you like your…
20 Year Term Life Insurance 20 Year Term Life Insurance - A 20-year term life insurance policy is a happy medium between ten and 30-year terms. This is the perfect term length for parents with…
Term Life Insurance In India Term Life Insurance In India - Buying term insurance for seniors is very important. They will ensure that your loved ones are taken care of. Here are the reasons why…
Average Cost Of Long Term Care Insurance Per Month Average Cost Of Long Term Care Insurance Per Month - Paying month to month for insurance (when you don't need it) can be a real drag. You may feel like…
Long Term Nursing Facilities Near Me Long Term Nursing Facilities Near Me - Sponsored Content Notice: This content is brought to you by Memorial Gardens through its Campaign for Life Education series. This article discusses the…
Long Term Home Insurance Policy Long Term Home Insurance Policy - The indemnity period is the period during which benefits are payable under the insurance policy. It is also usurped to designate a period within…
Usaa Life Insurance Long Term Care Usaa Life Insurance Long Term Care - Compare life insurance companies and hundreds of policies from the comfort of your home. It doesn't matter what type of life insurance you're…
New York Life Long Term Care Quote New York Life Long Term Care Quote - Looking for long-term security while generating income? Explore New York Life's life insurance policies and learn about flexible and proven solutions to…
Universal Life Insurance With Long Term Care Universal Life Insurance With Long Term Care - Excluded fees on indexed universal life (IUL) policies may deter potential buyers. But why? The first argument I hear when I look…
Top Rated Long Term Disability Insurance Companies Top Rated Long Term Disability Insurance Companies - The US Social Security Administration found that one in four people in their mid-20s will be disabled before reaching retirement age. For…
Accidental Death Benefit Term Life Insurance Accidental Death Benefit Term Life Insurance - A life insurance rider is an add-on to a life insurance policy that adds additional coverage or an additional feature. Generally, riders are…
Average Cost Of Long Term Care Insurance At Age 60 Average Cost Of Long Term Care Insurance At Age 60 - Open Access Policy Institutional Open Access Program Special Issues Guidelines Editorial Process Research and Publication Ethics Article Processing Fees…
Aarp Term Life Insurance Policy Aarp Term Life Insurance Policy - Aarp long term care policy, aarp term life insurance, aarp term life insurance policies, aarp whole life insurance policy, aarp life insurance policy rates,…
Transamerica Long Term Care Insurance Reviews Transamerica Long Term Care Insurance Reviews - As an independent life insurance agency, JRC Insurance Group works directly with many top rated insurers. Having hands-on experience allows us to provide…
What Is The Average Cost Of Long Term Care Insurance What Is The Average Cost Of Long Term Care Insurance - Are graphs of how a firm's costs change as output changes. Economists draw separate curves for the short run…
Transamerica Long Term Care Rider Transamerica Long Term Care Rider - As we look forward to the promise of a new year, we are excited to announce that, beginning January 1, 2021, TransAmerica will offer…
What Is Term Life Versus Whole Life What Is Term Life Versus Whole Life - Read on to learn about Canadian terms and the pros and cons of whole life insuranceOffers Canada's best term life insurance rates,…
Genworth Life And Annuity Insurance Company Genworth Life And Annuity Insurance Company - Although Genworth was once a proud provider of affordable life insurance, the company recently restructured and no longer offers life insurance policies. Instead,…
Should You Buy Long Term Care Insurance Should You Buy Long Term Care Insurance - You need to remember that you can use all the forms on the internet so that you can use them. Tá cuid…
Best Life Insurance For Disabled Veterans Best Life Insurance For Disabled Veterans - Home / Best life insurance with conditions before 2022 / Life insurance for the elderly and disabled in the UKInsurance Hero was set…
Term Or Whole Life Insurance Dave Ramsey Term Or Whole Life Insurance Dave Ramsey - Paying for insurance every month (when you don't need to) can be very difficult. You may feel like you're paying nothing, but…
Can I Borrow Against Term Life Insurance Can I Borrow Against Term Life Insurance - The main purpose of life insurance is to provide financial security to your loved ones in the event of their death. But…
Average Price Of Long Term Care Insurance Average Price Of Long Term Care Insurance - OBJECTIVE: Kaiser Family Foundation estimates based on the March 2016 Census Bureau's Current Population Survey (CPS: Annual Socioeconomic Supplement). 2014 Estimates Based…
Term Life Insurance Quotes Online Canada Term Life Insurance Quotes Online Canada - Read on to learn about the advantages and disadvantages of term life insurance versus whole life insurance in Canada. and how they compare…
Affordable Life Insurance For Seniors Over 70 Affordable Life Insurance For Seniors Over 70 - Health insurance for seniors: Is it too late to get health insurance for your elderly parents? Is there enough MediShield? Find out…
Purchase Short Term Health Insurance Purchase Short Term Health Insurance - Even if your health takes an unexpected turn, there is some comfort in knowing that you and your family have a financial safety net.…
The Difference Between Term Life And Whole Life The Difference Between Term Life And Whole Life - Term life and whole life insurance can provide your family with important financial protection. But their features and prices are different.…
Highest Rated Long Term Care Insurance Companies Highest Rated Long Term Care Insurance Companies - By market share, the largest health insurers are UnitedHealth Group, Anthem, Centene, Humana and Healthcare Services Corporation. (HCSC). Together, these companies control…
Long Term Car Insurance Policy Long Term Car Insurance Policy - Featured Fund Pro Investing by Aditya Birla Sun Life Sun Life Mutual Funds Invest Now Featured Funds 26% Invest Now .47%After the Supreme Court…
Top Rated Long Term Care Facilities Near Me Top Rated Long Term Care Facilities Near Me - The blog at Bella Vista Medical Center focuses on tips for maintaining a healthy lifestyle and ensuring a successful recovery from…
Group Disability Income Insurance Premiums Paid By The… Group Disability Income Insurance Premiums Paid By The Employer Are - One of the highlights of Singaporean healthcare is Life MediShield - a basic health insurance that covers basic public…
Transamerica Life Insurance Long Term Care Transamerica Life Insurance Long Term Care - As we look to the promise of a new year, we are excited to announce that, beginning January 1, 2021, Transamerica will offer…
Usaa Long Term Disability Insurance Usaa Long Term Disability Insurance - Send by email, link or fax. You can also download, export or print it.Is the best editor to update your documents online. Follow these…
Can I Cash Out A Term Life Insurance Policy Can I Cash Out A Term Life Insurance Policy - Term life insurance is a simple and inexpensive form of financial security. The Basic Term Life Plan offers a fixed…
Long Term Care Life Insurance Hybrid Long Term Care Life Insurance Hybrid - This method of protection combines long-term care and life protection into a single plan. These crossover technologies, like hybrid cars, are slowly gaining…
Transamerica Long Term Care Rating Transamerica Long Term Care Rating - The following is a review of Transamerica and Medicare Supplement products. Before we dive into the review, let's answer a frequently asked question about…
Types Of Long Term Insurance Types Of Long Term Insurance - Life insurance is at the heart of every financial plan. However, due to its complexity, people still cannot easily understand it. With the right…
How Long Should I Buy Term Life Insurance For How Long Should I Buy Term Life Insurance For - With both types of insurance policies, you make ongoing premium payments to an insurance company. In return, the insurer may…
Advantages Of Long Term Care Facilities Advantages Of Long Term Care Facilities - Welcome to the final installment of our three-part series exploring how digital transformation in long-term care (LTC) is delivering a better experience for…