Long term care is assistance
and support that addresses the health, social and personal
care needs for people who lost the ability to look after
For example people with
a prolonged physical or chronic illness, disability
or cognitive disorder. It includes help with the everyday
Activities of Daily Living, (ADLs). It includes help
for people with cognitive impairment, such as Alzheimer’s
disease or other forms of dementia.
While a certain degree
of public support is available, government programs
are not comprehensive and long term care services can
Long term care differs
from traditional medical care as it is designed to assist
a person to maintain his or her level of functioning,
as opposed to care or services that are designed to
rehabilitate or correct certain medical problems.
With Long Term Care:
• you have more choices about the quality and
amount of care you receive
• you have more choices around where to receive
care and by whom
• your savings and investments are more likely
to be preserved.
Long term care focuses on caring, rather than curing.
Why is there a need
for long term care insurance?
Each year, thousands of Canadians face the reality of
needing long term care services – either for themselves
or for a family member.
At every stage of our lives we are vulnerable to accidents
and illnesses that can change the way we live:
• About 50,000 strokes occur in Canada each year.
Stroke is the leading cause of transfer from hospital
to long term care.
• The average age of diagnosis for Multiple Sclerosis
• Almost all spinal cord injuries (97%) occur
prior to age 50.
• The average age of major trauma patients is
• 1 in 13 Canadians over age 65 is affected by
Alzheimer Disease or a related dementia.
• 7% of Canadians age 65 and over reside in health
• An additional 28% of Canadians age 65 and over
receive care due to a long term health problem, although
they who do not live in a health care institution.
There are many misconceptions about what the government
provides and pays for, and what extended health care
benefits cover. It’s important to understand exactly
what the benefits you have through your employer or
association cover, and what the limitations are. Do
they end when you turn 65, or when you leave the group?
Is your spouse covered?
What Types of Policies Are There?
There are three types
of long term care insurance policies:
Reimburse you for eligible expenses you receive on a
given day, up to a pre-determined maximum
• Indemnity policies
will remunerate the eligible benefit recipient for the
designated daily, weekly or monthly amount, provided
qualified expenses have been incurred.
• Income policies
It provides an income when you require care, and you
don’t have to prove you incurred any eligible
expenses. The income can be used to cover the cost of
any type of service including care received from family
Long Term Care Insurance
plans differ from one company to another when it comes
to benefits and other features.
Please fill out the following and click on the Submit
button. We will then review your information and we
will contact you to get your quotes.
Download forms and once completed, you can email, fax
or mail directly _..to:
Email : firstname.lastname@example.org
Fax : 416-265-0777
2) If you want a direct link to Manulife Financial,
please click here.