LTC Learning Center

People are living longer! Statistically, Americans over the age of 65 face a 40% risk of entering a nursing home for Long Term Care services.

Long Term Care includes a wide range of medical and support services for people with a degenerative condition. Long Term Care is not necessarily medical care but rather "custodial care."

Like any insurance product, Long Term Care insurance allows the insured to pay an affordable premium to protect an unaffordable catastrophic event. A quality LTC policy is financially strong, can provide an Adequate Daily Benefit.

There are four main ways to pay for long term care: cash, Medicare, Medicaid, or private insurance. It is critical that you set a plan in order to make the best financial decision possible.

When you request your FREE instant LTC insurance quote you will receive the FREE Insider’s Guide to Long Term Care Insurance. Giving you the chance to learn even more about LTC insurance and speak with a professional LTC insurance agent.

If you are able to pay Long Term Care insurance premiums without having to change your lifestyle – you should transfer that risk to the insurance company.

Medicare will cover all long term care costs
FALSE: Medicare provides limited coverage for skilled nursing care, limited to 100 days in each benefit period, and only following a hospital stay.

Long Term Care insurance has evolved and typically covers a broad range of services including nursing home care, assisted living facilities and adult day care.