Long-Term Care Insurance
Plan Ahead for Tomorrow's Health Needs
Protect Your Savings & Maintain Quality Care
What Does Long-Term Care Insurance Cover?
Long-term care insurance helps cover the cost of services that aren't typically included under traditional health or Medicare coverage-such as nursing home care, assisted living, or in-home care. These policies are designed to help you protect your savings, reduce financial stress on your loved ones, and maintain independence as you age.

We'll guide you through your coverage options and help you create a plan that aligns with your financial goals and healthcare needs.
What's Typically Covered
Policies often include coverage for nursing homes, assisted living facilities, adult day care centers, and in-home personal care services.
Common Add-Ons
Optional riders include inflation protection, shared coverage for couples, and extended benefit periods for added security.
Who Typically Uses This Coverage
Long-term care insurance is ideal for seniors or individuals planning for the possibility of needing extended care due to chronic illness, disability, or aging.
Your Questions About Long-Term Care Insurance-Answered
Frequently Asked Questions About Long-Term Care
Planning for long-term care can feel overwhelming. Here are some answers to common questions that help simplify the process.
Does Medicare cover long-term care?
Medicare only covers short-term skilled nursing care under limited conditions-not ongoing long-term care.
When should I buy long-term care insurance?
The earlier, the better. Buying coverage in your 50s or 60s often means lower premiums and easier approval.
How much coverage do I need?
It depends on your lifestyle, assets, and desired level of care. We'll help you assess the right benefit amount and term.
Is long-term care insurance expensive?
It can be, but the cost of not having it-such as paying for private nursing care-can be much higher.
Can couples share a long-term care policy?
Yes, many policies offer shared benefits for married couples or partners.