Plan for care with dignity
Extended care can be costly and emotionally demanding. Planning ahead can preserve choice, protect assets, and reduce the caregiving burden placed on family.
Understanding the coverage
Long-term care insurance helps pay for extended care at home, in assisted living, through adult day care, or in a nursing facility when daily activities such as bathing, eating, or dressing become difficult.
How it works
We turn a complicated decision into a guided conversation—without pressure or unnecessary jargon.
Benefits may pay for services not typically covered by health insurance or Medicare.
Coverage can include in-home care, adult day care, assisted living, and nursing facilities.
Policy designs can be customized around budget, benefit period, and desired care setting.
Hybrid life and long-term care policies may combine protection needs.
Why it matters
Protect savings and retirement assets from care expenses
Preserve a choice of care setting
Reduce physical and financial pressure on family caregivers
Secure coverage while younger and healthier
Support dignity and independence in later years
Who it is for
How clients use it
Paying for visiting nurses or assistance at home
Supporting assisted-living costs
Protecting an estate from unexpected nursing-home expenses
Helpful answers
Start with the questions clients ask most often, then open the complete FAQ library when you want to explore further.
Depending on the policy, benefits may support eligible care at home, adult day care, assisted living, memory care, or a nursing facility when benefit triggers are met.
Policies commonly require certification that the insured cannot perform at least two activities of daily living without substantial assistance or has qualifying severe cognitive impairment. Contract definitions control.
The commonly used activities are bathing, continence, dressing, eating, toileting, and transferring. The policy specifies how inability is measured.
Medicare generally does not pay for ongoing custodial care. It may cover limited skilled care when specific requirements are met.
It is a waiting period that must be satisfied before benefits are payable. Policies differ on whether it is measured by calendar days, service days, or another method.
Many current policies include home-care benefits, but covered providers, plans of care, daily or monthly limits, and eligibility requirements vary.
Inflation protection is a policy feature that can increase available benefits over time. Options and cost vary and can be especially important when coverage is purchased years before a claim.
Buying while younger and healthier may provide more options and lower initial premiums, but affordability, family history, assets, existing resources, and retirement goals should all be considered.
Traditional policies may allow class-wide premium increases when approved under applicable rules, even though an insurer generally cannot raise only one person’s premium because their health changed.
A hybrid policy combines life insurance with long-term-care or chronic-illness benefits. Benefits, guarantees, payment structure, and tax treatment differ from traditional long-term-care insurance.
Some policies may cover informal caregivers or cash-indemnity benefits, while others require licensed or approved providers. Check the contract before relying on family-care payments.
Compare benefit triggers, covered settings, reimbursement versus indemnity, elimination period, benefit limits, inflation options, exclusions, premium stability, carrier strength, and nonforfeiture provisions.
A personal strategy starts with a conversation