Standard health insurance pays for your doctor and hospital bills, but what happens if you’re in an accident, or if you suffer from a debilitating illness and cannot care for yourself for an extended period of time? What if you or a family member needs nursing care at home? Will your standard health insurance be enough?

The longer you live, the greater the chance that you may need a form of long term care at some point in your life. Long Term Care insurance protects you and your loved ones should you need extended care, and can be of help at any stage — young or middle-aged persons incapacitated by an accident or illness can benefit, as well as older people.