LTC Learning Center

Why is there a need for Long Term Care?

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.

What is Long Term Care (LTC)?

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."

What is Long Term Care Insurance and what to look for in a quality LTC policy?

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.

How Do I Pay for Long Term Care Services?

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.

How can I find out more information?

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.

Who should consider Long Term Care insurance?

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.

Common Misconceptions about LTC Insurance

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.

What Do Long Term Care Services Cost?

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.