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You are here: Home / Personal Insurance / Long-term Care Insurance

 Long-Term Care (LTC) Insurance

Coverage that provides nursing-home care, home-health care, personal or adult day care for individuals above the age of 65 or with a chronic or disabling condition that needs constant supervision. LTC insurance offers more flexibility and options than many public assistance programs.

Long-term care is usually very expensive, which is why most people need insurance. For example, on average, nursing facilities providing skilled care charge $150 to $300 per day -more than $80,000 a year or more. Even custodial home care at three visits per week can cost more than $9,000 a year. Most LTC insurance policies will cover only a specific dollar amount for each day you spend in a nursing facility or for each home-care visit. Thus, when considering an LTC insurance policy, read the policies carefully and compare the benefits to determine which policy will best meet your own needs

Ottawa

Al Warren, CHS
Consultant

6270 Perth St.
Richmond, ON K0A 2Z0

Office: 613-257-6240
Mobile: 613-229-6179

E-mail: awarren@certika.ca

Smiths Falls

Sean J. Lawrence, CHS
Consultant

94 Beckwith St N
Smiths Falls, ON K7A 2C1

Office: 613-257-6229
Mobile: 613-880-2941

E-mail: slawrence@certika.ca

Perth

49 Herriott St.
Perth, ON K7H 1T5

Office: 613-267-8836
Mobile: 613-229-6179

Employee Benefits
Group Benefit Programs

Office: 613-416-2444

E-Mail: awarren@certika.ca

 

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