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Long Term Care Insurance Banner

Long-Term Care Insurance

Protect your family, your assets, your quality of life, and your choice in care.

Assistance when you can no longer perform daily activities.

Make sure your daily needs are provided for in the event that you no longer physically can with Long-Term Care Insurance.

In the event you need long-term care as a result of an accident, chronic illness, or short-term disability, or from advanced age, long-term care can cover the cost of assistance for a broad range of services to assist you in performing the basic personal tasks of everyday life that we often take for granted, such as:

  • Bathing
  • Dressing
  • Using the toilet
  • Transferring to or from bed or chair
  • Caring for incontinence
  • Eating
  • Housework
  • Managing money
  • Taking medication
  • Preparing and cleaning up after meals
  • Shopping for groceries or clothes
  • Using the telephone or other communication devices
  • Caring for pets

Pre-existing Conditions

You could be declined Long-Term Care coverage if you already have the following condition(s):

  • Alzheimer's Disease
  • Severe arthritis with functional limitations
  • Diabetes which is not under control
  • Cancer within the past 6 months
  • Parkinson's Disease
  • Stroke within the past six months
  • A strokes which has caused functional limitations at any time
  • Congestive heart failure within the past six months
  • Emphysema, if severe or still smoking
  • Chronic obstructive pulmonary disease, if severe or still smoking
  • Any conditions that require the assistance of another human being for basic activities of daily living: bathing, eating, going to the bathroom, or transferring in and out of a bed or chair

Call Wescom at 1-888-4WESCOM (1-888-493-7266), extension 1080 to learn more about how we can help you with your Long Term Care needs.

Insurance services offered through Wescom Credit Union, CA Ins Lic #0D64850.