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Long-Term Care Insurance

Long-Term Care Insurance helps pay for care when you can no longer take care of yourself due to age, illness, or injury. It can cover services at home, in assisted living, or in a nursing home, so you won’t have to rely only on your family or savings.

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Long-Term Care Insurance

Protect your savings. Preserve your independence. Plan ahead with confidence.

Long-term care insurance helps cover the cost of care services that may be needed as you age or face a chronic illness. These services often go beyond what traditional health insurance or Medicare typically covers and can place a significant financial burden on individuals and families.

Having coverage in place can help you protect your assets, maintain choice, and receive care on your own terms.

What Is Long-Term Care?

Long-term care refers to ongoing assistance with everyday activities or supervision due to aging, illness, injury, or cognitive impairment. This may include help with Activities of Daily Living (ADLs) such as:

  • Bathing

  • Dressing

  • Eating

  • Using the restroom

  • Mobility

  • Managing medications

Care can be provided in a variety of settings, including your home, assisted living facilities, adult day care centers, or nursing homes.

Why Long-Term Care Insurance Matters

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Protect Your Savings

Long-term care costs can be significant. Insurance helps reduce the risk of depleting retirement savings or other assets.

More Control Over Care Decisions

Coverage can allow you to choose the type of care, the provider, and the setting that best fits your preferences.
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Reduces Burden on Family

Having a plan in place can help relieve emotional and financial stress on loved ones.
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Financial Planning Confidence

Long-term care insurance supports a stronger retirement strategy by helping prepare for future care needs.

Plan Ahead While You’re Healthy

Long-term care insurance is generally easier and more affordable to obtain when purchased earlier and while in good health. Our team can help you understand your options and design a plan that aligns with your goals and budget.

Click And Learn

Nursing home care
In-home care & Nursing
Adult day care
Modifications to house
Major diseases coverage

Nursing home care coverage

Risk Factors

Some policies only cover nursing home care. It doesn’t cover assisted living facilities, which is important since this type of care is rapidly expanding.

Solution

Long-Term Care insurance should be considered to cover these expenses.

In-home care & nursing coverage

Risk Factors

You may end up paying for in-home care, including nursing care and physical therapies.

Solution

Many long-term care policies also cover in-home care, including nursing care, physical therapy and medical equipment.

Adult day care coverage

Risk Factors

You may have to pay them for their services from your pocket if you hire a caregiver.

Solution

Policies may cover community care, which usually means adult day care, so you don’t need to pay them all by yourself.

Modifications to house coverage

Risk Factors

You may need to build a wheelchair ramp for one of your family members because of their medical conditions.

Solution

Some policies may even pay benefits to family members who act as caregivers or cover home modifications, such as adding wheelchair ramps or installing safety devices.

Major diseases coverage

Risk Factors

A family member may be affected by a major disease and need continuous care, which may cost you money every single day.

Solution

Most policies cover care related to Alzheimer’s or other forms of dementia, but there are exceptions. Because this is a common condition, double-check that it’s included in your loved one’s policy.
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