What Is Long-Term Care Insurance?

Long-term care insurance helps pay for services that support daily living when you’re no longer able to care for yourself independently.


This can include nursing home stays, assisted living, or in-home care — expenses that Medicare typically doesn’t cover.


The goal of long-term care insurance is simple: protect your retirement savings and give you choices about how and where you receive

What It Covers & Our Approach

Depending on your plan, long-term care insurance

may help with:


  • In-home care services (bathing, dressing, mobility)
  • Assisted living facilities
  • Skilled nursing facilities
  • Adult day care programs
  • Memory care services
  • Hospice care support


We help you:


  • Understand the different types of long-term care policies
  • Compare premiums, coverage terms & benefit periods
  • Choose options with inflation protection or return-of-premium features (if available)
  • Customize a plan that fits your age, health, and budget



We make the process straightforward and stress-free — so you can plan without second-guessing.

Why It Matters

Medicare Doesn’t Cover Extended Care

Coverage ends after short recovery periods — not for long-term help.

Avoid Draining Savings

The cost of care can run into thousands per month. Insurance helps preserve your financial legacy.

Gives You More Control

Choose care options that fit your lifestyle, not just what you can afford out of pocket.

Relieves Family Burden

Ensures loved ones don’t have to carry the financial or caregiving load alone.

Long-Term Care FAQs

  • At what age should I consider long-term care insurance?

    Most people look into it between ages 55 and 70 — applying earlier can lower costs and improve eligibility.

  • What if I never need long-term care?

    Some plans offer return-of-premium or hybrid life insurance options — we explain how these work so your money still creates value.

  • Does it cover care at home or only in facilities?

    Many policies now cover both. We help you find one that supports your goal to stay independent at home.

  • What affects the cost of a policy?

    Your age, health, benefit amount, and coverage period all play a role. We break it down clearly, so you understand what you’re paying for.