if you require long-term care services in your home or in a long-term care facility and all your premiums back if you never make a claim.

 that you will need long term care in your lifetime.

 is nearing retirement age and by 2010 nearly 25 per cent of Canadians will be over age 65.
The demand for care facilities and home care will be huge and the cost burden to support family members will continue to rise.

 This benefit is triggered if you experience a cognitive impairment, or the inability to perform at least two of the functions of daily living; such as bathing, dressing, eating, transferring, toileting, or continence. Benefits can be used to pay for facility care, home care, or both, and can also pay for adult day care, durable medical equipment, hospice care, or respite care.

 long term care insurance preserves the dignity, independence, and financial well being of your family.