At any age, you may find yourself in a position where you need help. Long Term Care Insurance covers expenses associated with providing assistance with daily living skills, either at home or in a facility, as a result of an accident, illness or advancing age.

Long Term Care can be received in the home or a facility and provides assistance with the activities of daily living, like bathing, dressing or eating, due to advancing age or when someone suffers severe cognitive impairment. Paying for Long Term Care can seriously impact a family’s financial situation. The current average yearly cost of Long Term Care received in a nursing home is $40,000.

Medical insurance is designed to reimburse expenses associated with medical care, such as tests, medicines and physician care, and does not cover expenses associated with Long Term Care.

Ryder’s Long Term Care Insurance program is provided by Unum Life Insurance Company of America and is available for you, your spouse, parents and grandparents.

To request a quote or if you have any questions about Long Term Care Insurance, call UNUM directly at 1-800-227-4165 and speak with a Long Term Care Insurance Representative. You will need Ryder’s group policy number, 528063.