Long Term Care Insurance Provides Peace of Mind长期护理保险提供安心

Long term care insurance can help pay for a variety of long term care needs. 长期护理保险可以帮助支付的各种长期照护的需求。 Don't wait until you're a senior citizen in need of living assistance to learn about this valuable insurance. 不要等到你是一个老年人需要的生活援助，以了解这一宝贵的保险。

Should you consider purchasing long term care insurance? 如果你考虑购买长期护理保险？

It's no mystery that Americans are living longer.它并不神秘，美国人的生活更长的时间。 As people become more aware of and apply sound, healthy principles to their lives, they live longer, healthier, more vibrant lives.随着人们越来越认识和运用健全的，健康的原则，以他们的生命，他们活得更长寿，更健康，更有活力的生活。

But it's that confidence that they'll live a long, vibrant life that leaves many Americans lacking in one crucial area: planning for the possible setback.但是，这种信任，他们将长期生活，充满活力的生活，使许多美国人缺乏一个关键领域：规划，可能的挫折。 The unfortunate fact of aging is that as we get older, most of us need some help with everyday tasks. While friends and family can often pitch in, what if you develop the need for professional long term care?不幸的事实，老化的是，作为我们老年人，我们大多数人需要一些帮助与日常任务。虽然家人和朋友往往可以在球场，如果你需要开发的专业长期护理？ Are you and your family members ready financially for such a blow?是您和您的家庭成员愿意财政这样的打击？

If not - and the unfortunate answer is 'no' for most people - there is a powerful and increasingly popular solution called long term care insurance.如果没有-和不幸的答案是'不'对大多数人-有一个强大的，日益流行的解决方案长期护理保险。 By purchasing a long term care insurance policy, you cover yourself and your family in case the difficult "what if" scenario becomes real.通过购买长期护理保险的政策，你包括你和你的家庭在困难的情况下， “如果”的设想成为现实。

Long term care insurance is simply an insurance policy designed to cover the long term care costs of assisted living facility or full nursing home.长期护理保险仅仅是一个保险的政策设计，以支付长期护理费用，辅助生活设施或全部护理之家。 Many policies also cover the costs of an aid for in-home care for those with lesser assistance needs.许多政策还支付了援助的家庭照顾那些有较小的援助需要。 Though generally designed for the person over the age of 65, many people are purchasing the policies at younger ages to keep the premiums lower, and , if needed, can utilize its benefits anytime even before the age of 65.虽然一般设计的人65岁以上，许多人购买的政策，年龄保持保费较低，如果需要，可以利用它的好处随时随地甚至在65岁。

A person might need long term care (and therefore use their long term care insurance policy) when they need help with a variety of tasks, which might include: using the bathroom, managing pain, eating, attending to personal care, walking and bathing.一个人可能需要长期护理（因此使用他们的长期护理保险政策）当他们需要帮助的各种任务，其中可能包括：使用卫生间，管理疼痛，饮食，照顾到个人护理，走路和洗澡。 Experts say that more than 60% of all people will need help with simple tasks like these at least once in their lives.专家指出，超过60 ％的人将所有需要帮助的简单的任务这样至少一次在自己的生活。 The need might arise from a variety of factors including temporary long term care sought after an injury, during recovery from a surgery or illness, or during a terminal medical condition.必须从可能出现的各种因素，包括临时长期照护寻求损伤后，在恢复从外科手术或疾病，或在一个终端的医疗条件。 Though seniors will comprise the bulk of people needing long term care, many younger people will require temporary long term care in their lives as well.虽然老人将包括大量的人需要长期照护，许多年轻人将需要临时长期照顾他们的生活以及。 Long term care insurance policies can help with all of these things.长期护理保险政策能帮助所有这些事情。

Ongoing long term care (which might be required for months or years) encompasses - among other things -- chronic medical conditions, senile dementia, and permanent disabilities.正在进行的长期照护（这可能需要数月或数年）包括-除其他事项外-慢性医疗条件，老年性痴呆，并终身残疾。 A long term care insurance policy can help pay for services relating to these needs as well.阿长期护理保险政策可以帮助支付服务有关这些需求的。

Your long term care insurance can pay a part or full share of daily nursing home costs or help offset or pay the full cost of in-home care.您的长期护理保险可支付部分或全部份额的日常护理之家费用或有助于抵消或支付的全部费用在家庭护理。 It might give an older person the advantage of living at home with all its comforts while receiving in-home care, rather than living in a nursing home paid for by the government.这可能给老年人的好处是住在家里的一切舒适而接受家庭护理，而不是生活在一个养老院费用由政府。 It can provide the comfort of choice and peace of mind to the patient and his or her family members.它可以提供舒适的选择和安心的病人和他或她的家庭成员。