Long-Term Care Insurance

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Planning the Life You Want


Life is a risky business. You can't control or predict it. But you can make a plan.

Help Protect What You Love

Long-term care can be expensive, and most types of insurance don’t cover it. Buying a long-term care insurance policy helps protect against the high cost of long-term care, should the need arise. It can help protect:
  • Your family's resources – their time, energy, and money 
  • Your independence – your ability to participate in choosing how and where you 
    want care
  • Your assets – preserving your savings

What Does Long-Term Care Insurance Pay For?

While each policy has exclusions and limitations, generally, this insurance covers expenses for:
  • Home health aides
  • Skilled nursing
  • Assisted living
  • Nursing homes

How Much Does Long-Term Care Insurance Cost?

The costs can vary by your age, how much long term care you need, and for how long you may need that care.


Why Should I Consider Long-Term Care Insurance Now?

While anyone can need long-term care at any time, the risk of having a long-term care need may increase as you age. So do the costs of buying long term care insurance and of long term care.