Long-Term Care Plans

As we age or face unexpected health challenges, the need for long‑term care can arise suddenly — and the costs can be overwhelming. A Long‑Term Care Insurance Plan helps protect you and your family from the financial burden of extended care, whether it’s provided at home, in an assisted living facility, or in a nursing home.

This coverage ensures you have the support you need to maintain dignity, independence, and quality of life, without draining your savings or placing stress on your loved ones.

Long‑term care insurance helps pay for services that assist with daily living activities when you can no longer perform them independently. These services are not typically covered by traditional health insurance or Medicare.

Coverage may include:

• Home health care
• Assisted living facilities
• Nursing home care
• Adult day care
• Memory care
• Personal care assistance (bathing, dressing, mobility, etc.)
• Respite care for family caregivers

This type of insurance provides financial protection and flexibility, allowing you to choose the care setting that feels right for you.

Coverage varies by policy, but most long‑term care plans include:

• Home‑Based Care
• Skilled nursing
• Personal care assistance
• Therapy services
• Homemaker services
• In‑home health aides
• Facility‑Based Care
• Assisted living
• Nursing homes
• Memory care units
• Rehabilitation centers
• Additional Support
• Care coordination
• Respite care
• Equipment and supplies
• Transportation assistance

Benefits are typically paid directly to you or the care provider, depending on the plan.

The need for long‑term care can arise from:

• Aging
• Chronic illness
• Disability
• Cognitive decline
• Cancer treatment or recovery
• Unexpected injury

Without insurance, long‑term care costs can quickly add up — often thousands of dollars per month. A long‑term care plan helps safeguard your financial future and reduces the emotional and financial strain on your family.

This coverage is especially valuable for:

• Adults planning for retirement
• Individuals with a family history of chronic illness
• People wanting to protect their savings and assets
• Caregivers seeking peace of mind
• Anyone who wants to avoid relying solely on family for care
• Individuals who prefer home‑based care options

The earlier you purchase coverage, the more affordable it tends to be.

•  Choose a policy with the coverage level and benefits you want.
• Pay your monthly premium to keep your plan active.
• If you need long‑term care, you file a claim with your insurer.
• Once approved, benefits are paid in accordance with your policy.
• You choose where and how you receive care — at home or in a facility.

• Protects your savings and retirement income
• Reduces financial strain on your family
• Provides flexibility in choosing care options
• Helps maintain independence and dignity
• Offers peace of mind for the future
• Supports both medical and personal care needs