What’s the difference between long-term & short-term care insurance?

Long-term care policies are designed for ongoing or indefinite needs, like full-time assistance. Short-term care insurance is for temporary recovery situations, like a few weeks of home health after a hospital stay.

Is care insurance expensive?

Not always — especially if you start early. We help you compare costs and benefits clearly.

Can I get this coverage later in life?

Yes, but health status can impact eligibility. That’s why many choose to plan sooner rather than wait.

Does Medicare cover long-term care?

Medicare only covers limited skilled care after hospitalization — not ongoing custodial or in-home help. That’s where care insurance fills the gap.

What if I never need care?

Some hybrid policies let you transfer unused value to beneficiaries, or apply it toward life insurance.

Long-Term & Short-Term Care Insurance

Understanding Long-Term & Short-Term Care Insurance

Health insurance and Medicare may cover doctor visits and hospital stays — but they don’t cover most long-term care costs.

Whether it’s in-home care, assisted living, or a short stay in a rehab facility, those expenses can add up fast.

That’s where care insurance comes in. These plans help pay for the kind of support many people need later in life — without draining your retirement savings.

We help clients in Naperville, Wheaton, and Lisle choose long-term and short-term care insurance options that protect what they’ve worked for, while planning ahead for the unexpected.

Our Care Insurance Solutions

We offer guidance on a range of care coverage options, including:

Long-Term Care Insurance

Covers extended care needs like nursing homes, assisted living, or ongoing home health services.

Learn More

Short-Term Care Insurance

Provides coverage for temporary care — such as rehab stays or brief recovery support after surgery or illness.

Learn More

We walk through real-life scenarios and help you prepare without overpaying for coverage you may not need.

Why Planning for Care Matters

Protects Your Assets

Care insurance can prevent your savings or home from being depleted by care costs.

Supports Family Caregivers

Helps ease the burden on loved ones trying to manage or fund your care.

Maintains Independence

Coverage lets you choose care on your terms — not just what’s cheapest or available

Bridges the Medicare Gap

Care insurance covers services Medicare often doesn’t, like custodial or non-medical help.

Why Planning for Care Matters

Protects Your Assets

Care insurance can prevent your savings or home from being depleted by care costs.

Supports Family Caregivers

Helps ease the burden on loved ones trying to manage or fund your care.

Maintains Independence

Coverage lets you choose care on your terms — not just what’s cheapest or available

Bridges the Medicare Gap

Care insurance covers services Medicare often doesn’t, like custodial or non-medical help.

Learn More

Care Insurance FAQs

What’s the difference between long-term & short-term care insurance?
Long-term care policies are designed for ongoing or indefinite needs, like full-time assistance.

Short-term care insurance is for temporary recovery situations, like a few weeks of home health after a hospital stay.
Is care insurance expensive?
Not always — especially if you start early. We help you compare costs and benefits clearly.
Can I get this coverage later in life?
Yes, but health status can impact eligibility. That’s why many choose to plan sooner rather than wait.
Does Medicare cover long-term care?
Medicare only covers limited skilled care after hospitalization — not ongoing custodial or in-home help. That’s where care insurance fills the gap.
What if I never need care?
Some hybrid policies let you transfer unused value to beneficiaries, or apply it toward life insurance.