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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

Planning for the future means preparing for the unexpected. Long-term care insurance helps protect your savings and ensures you receive the care you need as you age.

What is Long-Term Care Insurance?

Long-term care insurance covers services and support for individuals who need assistance with activities of daily living (ADLs) such as bathing, dressing, eating, or managing chronic medical conditions. Unlike standard health insurance or Medicare, long-term care insurance helps cover the costs of care in a variety of settings, including:

  • Your home

  • Assisted living facilities

  • Nursing homes

  • Adult day care programs

Why You Need It

As people live longer, the likelihood of needing long-term care increases. Without insurance, the cost of care can quickly deplete your retirement savings and put your financial security at risk. Long-term care insurance helps you:

Protect your assets and retirement savings

Maintain control over your care decisions

Choose the type and location of care

Plan ahead with confidence and peace of mind

Benefits of Our Policies

Comprehensive Coverage

Pays for home care, assisted living, and nursing home care

Flexible Options

Tailor your policy to match your needs and budget

Financial Security

Helps preserve your savings for your family and future

Expert Guidance

Our team helps you understand your coverage options and choose the best plan

Take Control of Your Future

Don’t let the cost of long-term care drain your savings. Contact us today for a quote and personalized guidance on long-term care insurance that protects your future and your peace of mind.

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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