LONG-TERM CARE

Long-Term Care

The cost of Long-Term Care is rising quickly and most people do not have a plan in place to pay for it.


Policies were previously designed with a “Use it, or lose it” aspect. However, companies are now offering Long-Term Care insurance policies with added Life Insurance benefits. This means that if you do not use it, a death benefit will be passed on to your heirs.


We will educate you on these products and help determine the best plan for you. 

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Common Questions

Got a question? We’re here to help.

  • Does Health Insurance or Medicare cover Long-Term Care?

    Insurance carriers and Medicare do not cover Long-Term Care. Most insurance companies and Medicare cover you in a hospital or skilled nursing facility for 90 days. For this reason it’s most common to get a Long-Term Care policy with a 90 day waiting period for benefits to start.

  • If I’m married should we get a joint policy?

    It is something to consider depending on your overall goals. We can help compare joint and individual policies.

  • Do I need to go through underwriting to get Long-Term Care?

    Yes, underwriting is required and important to disclose any health history on the application for the best consideration.

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