Watch Our Video Explanation
What is Long Term Care?
Long term care insurance helps pay for extended care services when you can no longer perform basic daily activities independently due to chronic illness, disability, or aging.
Medicare and health insurance don't cover most long-term care costs. Without planning, these expenses can deplete your life savings.
Services Covered
- Nursing home care
- Assisted living facility
- In-home care and assistance
- Adult day care
- Hospice care
- Respite care for family caregivers
- Home modifications and equipment
- Care coordination services
The Cost Reality
- Average nursing home: $105,000/year
- Assisted living: $54,000/year
- Home health aide: $61,000/year
- 70% of people over 65 will need LTC
- Average need: 3 years of care
- Women need care longer than men
- Costs increase 3-5% annually
Why Buy Now
- Premiums lowest when you're younger & healthy
- Easier to qualify before health issues arise
- Protect retirement savings from depletion
- Avoid burdening family with caregiving
- Maintain choice and independence
- Tax-qualified policies offer tax benefits
- Hybrid policies offer living benefits
Plan for Your Future Care Needs
Learn about traditional and hybrid long term care options that fit your situation and budget.
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