Long-Term Care Insurance
Protect your future care and financial peace of mind.
Long-term care insurance covers services like in-home care and nursing facilities that regular health plans often don’t. We help you choose a plan that fits your needs, finances, and future care goals.
Daily support when you need it most.
What’s Included
Long-term care insurance helps cover the cost of extended care when you’re unable to perform daily living tasks on your own. These services aren’t typically included in Medicare or standard health insurance policies. Whether you plan to age at home or anticipate needing facility-based care, these plans can offer protection and flexibility for the years ahead.
01
In-Home Care
Pays for caregivers, nurses, and aides who assist with daily activities like bathing, eating, and dressing.
02
Assisted Living
Covers expenses associated with assisted living facilities when you need more support but not full-time medical care.
03
Nursing Home Care
Helps cover high-cost stays in skilled nursing facilities, including room, board, and around-the-clock care.
04
Adult Day Care Services
Includes benefits for supervised care settings that provide social and health-related support during the day.
05
Memory Care Facilities
Covers services in dementia- or Alzheimer’s-specific care environments designed for safety and supervision.
06
Respite Care & Family Support
Offers relief for unpaid caregivers and may include training or counseling resources.
Why Long-Term Care Matters
Healthcare costs rise as we age—and most people will need long-term care at some point. Without insurance, those services can quickly deplete savings or force loved ones into difficult decisions. Long-term care insurance helps preserve your independence and protect your assets by covering essential care services. With the right plan in place, you’re not just preparing for what might happen—you’re giving yourself more choices and dignity if it does.
Long-Term Care FAQs
What is long-term care insurance and who needs it?
Long-term care insurance helps cover services that support daily living needs due to aging, illness, or disability. It’s ideal for individuals planning ahead to reduce future out-of-pocket expenses. Anyone who wants to protect their assets, reduce strain on family, and maintain flexibility in care choices should consider it.
Does Medicare cover long-term care?
No. Medicare only covers short-term skilled care following a hospital stay—not long-term custodial care. This includes nursing home or in-home assistance with daily tasks. Long-term care insurance fills that gap and helps ensure you’re not paying for extended care entirely out of pocket.
When is the best time to buy long-term care insurance?
Premiums are typically lower when you’re younger and healthier, making your 50s or early 60s an ideal time to consider coverage. Applying earlier also reduces the chance of being denied due to health conditions. We’ll help you time your decision so you get the best value.
What types of long-term care settings are covered?
Policies may include in-home care, assisted living, skilled nursing, memory care, and even adult day services. We’ll help you review options and ensure the policy you choose covers the care settings that matter to you most.
How much does long-term care insurance cost?
Cost depends on your age, health, benefit level, and the length of coverage you choose. Many plans offer inflation protection or shared benefits for couples. We’ll help you compare features so you get strong value and the peace of mind you’re planning for.