Long-Term Care Insurance

Whatever your long term care needs are, we can handle it. We shop for the best rates with the biggest and best Long-Term Insurance Carriers. Call 1-866-473-2866 to find the best plan for you.

Long-term care refers to the services used by people who have disabilites or chronic (long-lasting) illnesses. Although these services often involve only personal care, they can also include the skilled care of a doctor, nurse, or physical therapist. The services may be needed for three months or for a much longer time. These services are available in a variety of settings, including:

• help in your home with daily activities like bathing and dressing,
• community programs, such as adult day care,
• assisted living services such as meals, health monitoring, and help with daily activities, provided in a special residential setting other than your own home, and
• care in a nursing home.

Long-term care insurance helps pay for these services. It can also protect you against the risk of large financial losses and may assure that you have choices about what services you receive and where you receive them.

Usually, neither employer health insurance nor Medicare pays for long-term care expenses in any significant way. (Medicare will pay for short-term, skilled care.) Medicaid - the federal/state health insurance program for people with limited income and low assets - does pay for long-term care, but you have to use most of your savings or other assets before you can receive Medicaid benefits. Private long-term care insurance may help you preserve your income and savings. Unlike other kinds of insurance, long-term care insurance pays for personal care services, even if you need no other kind of care.

To find the best Long-Term Insurance plan for you, Call 866-473-2866 or fill the online form.

What You Should Know About Long-Term Care Insurance