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Life & Health coverage

Long-Term Care Insurance

Long-term care insurance covers help with everyday tasks like bathing, dressing, and eating — services that Medicare and standard health plans largely won't pay for once care stretches beyond short-term recovery. With nursing homes and in-home aides often running thousands of dollars a month, it matters when you want to protect retirement savings from being drained by extended care.

Discuss LTC Planning Schedule Consultation

Who this coverage is for

Long-term care insurance is for people planning ahead for the possibility of needing help with everyday activities \u{2014} like bathing, dressing, or eating \u{2014} as they age. It helps pay for care that regular health insurance and Medicare usually don't fully cover.

What it can help protect

Extended care can be expensive, and this coverage helps protect both your finances and your family:

  • The cost of care \u{2014} helps pay for in-home aides, assisted living, or a nursing facility.
  • Your savings and home \u{2014} reduces the risk of spending down assets to afford care.
  • Your family \u{2014} eases the burden on loved ones who might otherwise provide care themselves.
  • Your choices \u{2014} gives you more say in where and how you receive care.
Regularly misunderstood coverages
Long-Term Care vs. Long-Term Disability

Paying for care vs. replacing lost income.

Key choices and underwriting factors

A licensed review will usually focus on benefit period and daily/monthly design, inflation-oriented planning concepts, and age and health timing considerations.

Common Questions