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Individual Long-Term Care (LTC) Insurance

Long-Term Care Female Physician Smiles at and Comforts her Senior Patient in a Wheelchair

Long Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.

Rising life expectancy means that the potential need for "long-term care" grows with every passing year of your life. The likelihood is that you or a member of your family will need long-term assistance due to a prolonged illness, a disability, or general deterioration of your health and ability to perform routine daily activities.

Most long-term care expenses are not covered by Social Security or Medicare, Medicare Supplement ("Medigap"), or private health insurance. Medicaid pays for nearly half of all nursing home care, but you must meet federal poverty guidelines and may have to "spend down" most of your assets on health care.

Trusted Specialist
Avoid making a mistake when planning for your long term care insurance. We have been specializing in Long Term Care planning for almost 25 years! We will help you understand and choose the best features that you may need and the discounts your deserve.

40% of those receiving Long Term Care today are working age adults between the ages of 18 and 64. Approximately 70% of those 65 and over will need Long Term Care services some time inn the life. Total number by the year 2020 is expected to exceed 12 million.

Asset protection
Make sure you help protect your savings and assets from the costs of care not covered by Medicare.