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Long-Term Care (LTC) Insurance


Long-Term Care (LTC) insurance is designed to provide funding so that you can continue living a fulfilling life at home. LTC provides for a variety of services to fund your healthcare needs for either a short or long period of time, allowing you to live independently and safely if you can no longer perform everyday activities on their own.

Hybrid Long Term Care Plans

Hybrid Long Term Care Plans

We can provide Hybrid Long Term Care Plans that combine life insurance products and long-term healthcare and may result in greater savings with more coverage.  One significant benefit of this option in this type of long-term healthcare plan is that your benefit is no-longer “use it or lose it.”

How To Use Your LTC Benefits

How To Use Your LTC Benefits

People often need Long-Term Care (LTC) after they have suffered a serious medical condition or accident. If a medical condition develops gradually over time then LTC will cover that too. LTC can also include community services such as meals, adult day care, and transportation services. LTC is provided in different places by different caregivers, depending on a person's needs. Most long-term care is provided at home by unpaid family members and friends. It can also be given in a facility such as a nursing home or in the community, for example, in an adult day care.

LTC can Affect all Ages

LTC can Affect all Ages

LTC plans can cover healthcare costs in the event of an accident or long-term illness that affects your ability to care for yourself. Your LTC insurance policy should provide home health assistance, medical costs in a long-term care facility and possibly more. LTHC may also augment your Long-term Disability (LTD) insurance, which replaces a portion of the income to cover lost income. Consult with one of our insurance advisors to determine your special needs and type of policy that will suit your family.

One of the most common types of long-term care is personal care, help with everyday activities, also called "activities of daily living." These activities include:

  • Bathing
  • Dressing
  • Grooming
  • Using the bathroom
  • Eating
  • Moving around