Affordable insurance starts with an easy quote
Individual Long Term Care (LTC) Insurance is a policy designed to cover the costs of custodial care services for individuals who can no longer perform everyday tasks independently. Unlike standard health insurance, which covers medical treatments (like surgeries), LTC pays for assistance with “Activities of Daily Living” (ADLs) such as bathing, dressing, and eating, whether that care takes place in your own home, an assisted living facility, or a nursing home.
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.
We design policies that offer flexibility, allowing you to receive care in the setting that offers the most dignity and comfort for your situation.
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) |
“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.
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.
Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.
We’re here to help you explore your coverage options tailored to your needs.
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