Long-Term Care (LTC) Insurance

Long-Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.

Rising life expectancy means that the potential need for "Long-Term Care" grows with every passing year of your life. The likelihood is that you or a member of your family will need extended care due to a prolonged illness, a disability, or general deterioration of your health and ability to perform routine daily activities.

Most LTC expenses are not covered by Social Security or Medicare, Medicare Supplement ("Medigap"), or private health insurance. Medicaid pays for nearly half of all nursing home care, but you must meet federal poverty guidelines and may have to "spend down" most of your assets on health care to qualify.

There are many LTC plans and options available from which to choose. Let us assist in determining the best Long-Term Care solution for you.