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Individual Long Term Care Insurance

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5.0

Based on 158 reviews

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The “Risk Reality”: The Medicare Misconception

The single biggest financial threat to retirement is the assumption that the government will pay for long-term care. In reality, Medicare covers skilled nursing for only a very limited time after hospitalization. It does not pay for custodial care. According to the U.S. Department of Health and Human Services, someone turning age 65 today has almost a 70% chance of needing some type of long-term care services in their remaining years. Without insurance, these costs must be paid entirely out-of-pocket, potentially draining a lifetime of savings in just a few years.

Long Term Care Insurance Coverage

We design policies that offer flexibility, allowing you to receive care in the setting that offers the most dignity and comfort for your situation.

What is Covered

In-Home Care: Pays for visiting nurses, home health aides, or therapists to help you stay in your own house.

Assisted Living Facilities: Covers room and board in communities that provide help with daily tasks but not full-time medical care.

Adult Day Care: Pays for daytime supervision and social programs, giving respite to family caregivers.

What is NOT Covered (Exclusions)

Pre-Existing Conditions: If you are already needing assistance before buying the policy, coverage may be denied or limited for a set period.

Family Caregivers: Most traditional policies will not pay a family member (like a spouse or child) to care for you unless they are a licensed professional.

The “Dream” Difference: Standard vs. Comprehensive

Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your livelihood.

Care Scenario	Medicare / Health Insurance	Long Term Care Insurance
Custodial Care (Bathing/Dressing)	✖ Excluded	✔ Covered
Assisted Living Rent	✖ Excluded	✔ Covered
Home Health Aide (Long Term)	✖ Excluded	✔ Covered
Inflation Protection	✖ N/A	✔ Available (Benefit Grows)

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Long Term Care Insurance Cost

“How much does long term care insurance cost?” Premiums depend heavily on your age when you apply, your current health, and the benefit amount you choose.

Age Factor: Buying in your 50s is significantly cheaper than waiting until your 60s. Industry data suggests premiums can rise by 6-8% for every year you wait.
Hybrid Policies: Many clients now choose “Hybrid” Life/LTC policies. These may cost more upfront but guarantee a death benefit if you never need care, solving the “use it or lose it” fear.
Cost of Waiting: According to recent market data, a couple aged 55 might pay around $3,000 annually for combined coverage, whereas waiting until age 65 could nearly double that rate.

The “Independent Difference”: Why Dream Assurance?

LTC is a complex product with critical features like “elimination periods” and “inflation riders.” “Independent Means Multiple Choices.” We do not work for the insurance companies; we work for you.

Health Underwriting: Different carriers have different appetites. We match your health profile to the carrier most likely to offer you a favorable rate.
Inflation Strategy: We help you calculate the right inflation protection (e.g., 3% or 5%) so your benefit is still valuable 20 years from now.
Claims Support: When the time comes to file a claim, it is often a stressful family moment. Our team guides your family through the paperwork to ensure benefits are released quickly.

Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.

Dream Assurance

5.0

Based on 158 reviews

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Leslie Franke

17:49 13 Apr 26

Addison was great he was able to match me with the exact insurance policy that I needed at a cost I can afford!!!

Alex D

13:49 07 Apr 26

The insight was unmatched by any other insurance company. I’ll be using them for all my insurance needs.

G Clark

16:19 04 Apr 26

I’ve had a fantastic experience with Dream Assurance. From the very beginning, Kurtis made the process of choosing a plan straightforward and stress-free.

Robert Anderson

20:36 23 Mar 26

If you’re looking for real people that handles your needs fast then dream assurance is the way to go. Micheal Moran is probably the best insurance agent I’ve ever had. No matter the time or day, he finds a way to respond back. Not to mention we’re in two different time zones and he works like we’re in the same state. I wish I could give them more stars. Forgot to mention they’ll beat any insurance rates you find!!!

Ready to protect your retirement? Let our agents shop 30+ carriers for you. Get a Free Quote.
Secure your future with our specialized personal insurance options for long-term planning.

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Frequently Asked Questions

Does Medicare cover long term care?

Generally, no. Medicare only pays for medically necessary skilled nursing care for a short period (up to 100 days) following a hospital stay. It does not pay for custodial care (help with bathing, eating, etc.) which makes up the majority of long-term care needs.

What triggers the policy benefits?

Benefits are typically triggered when a doctor certifies that you cannot perform at least two of the six “Activities of Daily Living” (bathing, dressing, eating, transferring, toileting, continence) or if you require supervision due to cognitive impairment like Alzheimer’s.

What is an elimination period?

The elimination period is like a deductible measured in time rather than dollars. It is the number of days (usually 30, 60, or 90) you must pay for care out-of-pocket before the insurance company begins paying benefits.

Can I buy this insurance if I am already sick?

It depends on the condition. LTC insurance is medically underwritten, so serious pre-existing conditions (like Parkinson’s or a recent stroke) may make you ineligible. This is why it is critical to apply while you are still relatively healthy.

What are Hybrid Life/LTC policies?

Hybrid policies combine life insurance with long-term care benefits. If you need care, the policy pays for it. If you die without needing care, your heirs receive a death benefit. This ensures you don’t “lose” your premiums if you stay healthy.

Coverage Guidance That Meets You Where You Are

Headquartered in Overland Park, KS and serving clients across multiple states, our team provides straightforward guidance to help you make informed insurance decisions.

If you’re comparing insurance options or reassessing your current coverage, we’ll help you evaluate what you have, identify potential gaps, and find a path forward that makes sense for your situation.