Individuals and Families
Long-Term Care Insurance
Planning ahead for long-term care.
If you are not prepared, long-term care can cause severe financial distress, and even derail your plans for leaving a legacy.
Long-term care coverage pays for home health aides, assisted living, or nursing care, expenses Medicare mostly does not cover.
Coverage is generally less expensive, and easier to qualify for, the earlier you plan. We will help you find the right time and the right policy.
Who this is for
People planning for retirement, and families thinking about how care for a parent or spouse would be paid for.
What we look at
- The daily or monthly benefit, and how long it lasts
- The waiting period before benefits begin
- Whether the benefit grows with inflation
- Traditional policies versus hybrid policies that combine long-term care with life insurance or an annuity
Questions worth asking at your next review
- What would care cost where we live, and how much would this cover?
- What is the waiting period, and what triggers benefits?
- Would a hybrid policy fit us better than a traditional one?
Not sure of the answers? That is what the conversation is for. Les will walk through your current coverage with you.
Related coverage
Ready to see what this looks like for you?
Get a Free ConsultationGoToBenefit is an independent insurance agency. Coverage, eligibility and availability vary by carrier, policy and state. Nothing on this page is a quote or a guarantee of coverage.
