Long-Term Care Insurance: Financial security & quality care when you need it most!
As life expectancy rises, so does the need for long-term care. The key is securing coverage while you're in good health— waiting too long can make you uninsurable, no matter your budget. Care isn’t just for the elderly— accidents and illnesses can happen at any age. In fact, 70% of Americans over age 65 will require long-term care at some point in their lives. Complete the form below to learn more about the benefits and considerations of Long-Term Care insurance to protect yourself financially and gain access to quality care when you need it most.
Why LONG TERM CARE?
Long-term Care (LTC) insurance can be a smart option for those looking to protect their financial future and ensure quality care in case of extended medical or personal care needs.
PROTECT YOUR FINANCES
Long term care can be expensive—and those costs aren’t typically covered by Medicare. LTC insurance helps preserve your savings and retirement income, so you’re not forced to spend down assets or rely on family.
Maintain Control
With coverage in place, you choose the type of care you receive and where you receive it—whether that’s in your home, an assisted living facility, or a nursing home. It’s about staying independent and in charge of your future.
Ease the Burden on Loved Ones
Without a plan, caregiving often falls on family. LTC insurance provides the support needed to avoid putting emotional, physical, or financial stress on your spouse or children when care is needed.
Features
Most Long Term Care policies offer the following important features:
Protect Your Assets
Long Term Care insurance helps shield your savings and retirement funds from the high cost of extended care.
Premiums May Be Tax-Deductible
Depending on your situation, Long Term Care insurance premiums may qualify as a tax-deductible medical expense.
Buy Early for Lower Premiums
The younger and healthier you are when you buy a Long Term Care policy, the lower your premiums are likely to be.
Maintain Independence
Having coverage in place allows you to choose care options— home, assisted living, nursing home— that support your lifestyle and independence.
Ensure Quality Care
With a policy in place, you’re more likely to afford and access higher-quality care when you need it the most.
Relieve Family Burden
Long Term Care coverage can offer peace of mind—reducing the emotional and financial strain on loved ones who might otherwise become caregivers.
Our Long-Term Care Insurance is designed to provide flexible and personalized solutions for your future.
Key Benefits:
. Tax-Qualified Plans: Potential tax-free benefits and deductions on premiums
. Financial Security: Protect your savings and assets
. Independence: Choose where and how you receive care.
. Customizable Coverage: Options to meet your specific needs.
Where You Receive Care
. At home with professional caregivers
. Nursing homes with 24/7 supervision
. Assisted living facilities for a balance of independence and support
. Adult day care centers for daytime assistance
Types of Long-Term Care Policies
. Comprehensive LTC covers expenses for nursing homes, assisted living, home care, and adult day care.
. Facility-Only LTC covers costs for nursing homes, assisted living, and Alzheimer’s care facilities.