Long Term Care Tips and Information
We take everyday activities like getting out of bed, going to the washroom and getting dressed for granted. But we’re all vulnerable to accidents and illnesses that can change the way we live.
Long term care services are provided to individuals who are unable to care for themselves, for example as a result of accident, illness or deteriorated mental abilities. Long term care insurance helps cover the costs of long term care services.
The costs of long term care services
Government programs provide some long term care services, but individuals must often pay for much of their care out of pocket. Consider the following:
Accommodation in a long term care facility can cost from $800 toover $5,000 per month depending on the room type and the level of government funding available in your province. Private home care service costs* range from $12 to $22 an hour forhomemaking and personal care to between $18 and $60 an hour for nursing care.
More than one-third of Canadians aged 45 – 64 who provided informal care to a family member or friend incurred extra expenses as a result of their caregiving duties.**
Long term care services can include:
- nursing care
- rehabilitation and therapy
- personal care (help with activities of daily living like dressing, eating and bathing)
- homemaking services (meal preparation, cleaning, laundry)
- supervision by another person
- Care may be provided in the home, in the community (e.g. adult day care) or in a facility that provides long term care.* Home care service costs vary widely by location, even within provinces. The costs listed above were compiled by Sun Life Financial, 2004.** Source: Statistics Canada, 2002 General Social Survey, Cycle 16: Aging and Social Support – Tables
"Excellent knowledge of the insurance marketplace and ability to present best coverage at most competitive premiums to the client. Facilitates handling of any claim information between client and the insurer."
"I want to thank you personally for placing my insurance with a reliable company. I do recommend you to all of my clients. Thank you so much for all your help."
"Gerry was able to save us an incredible amount of money! We didn't realized how much we were overpaying in our Life Insurance! Thanks to Insurane Toronto we are saving over $125 a month. Thanks a million!"
"The service provided by Insurance Toronto meant for me and my Family a lot. Customer satisfaction is the main goal of his activity."
"What a pleasure it is to deal with a company like Insurance Toronto! Always prompt, courteous, knowledgeable and most accommodating. This applies to their entire office staff - A+."
"Gerry has served all my insurance needs for over 7 years. He has always been responsive, friendly and professional. Most important, they take my needs, economical and service, very seriously and have performed, in my opinion at the highest levels. I have never even considered changing agents. Great job and thank you."
"Extremely professional and knowledgeable! Insurance Toronto saved me time and money. They have always had prompt responses to questions or problems. "
"I strongly recommend that you have Insurance Toronto review and quote your insurance program. They SAVED us OVER 40% this year alone and I believe that they can also help you!"
"My experiences with Insurance Toronto have been very positive and I find Gerry to be a real pleasure to deal with. He is competent and friendly which can be hard to find these days."
"I am pleased to say that this family run office has looked out for our needs for over six years. It is comforting to know that I don't have to worry about best cost and proper coverage. Thank you for being there for us!"
"There have been numerous times that other insurance agents have offered their services to our company. But we have always turned them down due to the excellent customer service by Insurance Toronto"
"Gerry managed to find for me the best deal that I could get on the market for Life Insurance! Tanks Gerry!"