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What Our Customers Are Saying:
When choosing a business partner, I always look for someone who will meet me half-way. Fortunately, as my partner, Cole Richardson has consistently exceeded the half-way point and carried me. More importantly, I trust Cole and that means more than all the money he has saved me over the last three years.
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Thank you for your interest in Financial Risk SolutionsWe have been providing insurance and financial solutions to local communities since 1923. If you would like to speak to an insurance professional please call our office at 405-254-5600If you would like to email your questions, an agent will reply promptly.



Long-Term Care Insurance Information

Make Sure Your Loved One is Taken Care of with Long-Term Care Insurance
Serving Oklahoma City, Tulsa and Throughout Oklahoma, Texas and Arkansas


Because of old age, mental or physical illness, or injury, some people find themselves in need of help with these six Activities of Daily Living

  • Eating
  • Bathing
  • Dressing
  • Toileting or continence
  • Transferring (e.g., getting out of a chair or out of bed). 
These six actions are called Activities of Daily Living–sometimes referred to as ADLs.

In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.

Thank you for your interest in Financial Risk Solutions. We have been providing insurance and financial solutions to local communities since 1923. If you would like to speak to an insurance professional please call our office at 405-254-5600. If you would like to email your questions, an agent will reply promptly.

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