Long‑Term Care Insurance
Plan ahead for the possibility of extended care needs. Long‑term care insurance helps protect your savings and gives you choices about where and how you receive care.
Why Long Term Care Insurance Matters
- Covers the high cost of nursing homes, assisted living, or in‑home care
- Protects retirement savings and other assets from being depleted
- Reduces the financial and caregiving burden on family members
- Provides flexibility to choose the type and location of care you prefer
Types of Long‑Term Care Coverage
Traditional LTC Policies
- Pay a daily or monthly benefit for covered services Premiums may increase over time
- Premiums may increase over time
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Hybrid Life + LTC Policies
- Combine life insurance with long‑term care benefits
- If care isn’t needed, a full death benefit is paid to beneficiaries
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Common Questions About Long‑Term Care Insurance
When should I buy long‑term care insurance?
Premiums are lower and approval is easier when purchased in your 50s or early 60s.
What does it cover?
Services like nursing homes, assisted living, adult day care, and in‑home care.
Is it worth it if I have savings?
Even with strong savings, LTC insurance helps preserve assets and ensures you won’t have to liquidate investments or rely solely on family.
Plan for Tomorrow, Protect Today
Long‑term care needs can arise suddenly. With the right coverage, you’ll have financial protection and the freedom to choose the care that fits your life.
