Protect yourself in case you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time.  A common misperception is that Medicare pays for long-term care but it does not.  Long-term care is used when someone requires assistance with normal activities of daily living (ADLS) for more than 100 days.

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• Common ADLs:

• Bathing

• Continence

• Dressing

• Eating

• Toileting

• Transferring to and from bed

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