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A plan for long term disability coverage simply means that insurance benefits will come to the patient who needs them over an extended span of time. This type of insurance is generally needed for older people who are afflicted by a debilitating weakness, a sickness of even an accident of some sort. Due to the length of time it takes to heal, or the permanency of the condition, these people need to have their essential care covered while they are going through their ailments. Long term health care often applies to patients who suffer from maladies such as depression, Alzheimer’s, stroke, Parkinson’s, cancer and other diseases. The need for long term disability insurance is especially important when considering that these patients are often rendered incapable of independently getting through the day. One of the great advantages to this type of coverage is that the caretaker can come directly to a patient’s home. Insuring long term care can be part of a comprehensive plan that shows a company’s employees that they will be looked after if the need should arise. Instead of giving a large sum up front, a long term health care plan works by seeing the patient through, providing reliable care that any employee can look forward to.

employees participating in selected employee benefit programs. Table 3. Percent of employees participating in selected employee benefit programs,(1) various employment groups, 1995-97 Full-time employees in - Part-time