Long Term Care Coverage.

Long Term Care coverage is designed to protect our wealth at the end of life and for other long term care needs. It can help take financial and other burdens off the children and other relatives and friends of the insured. Long Term Care covers long term services, including personal and custodial care in the home, assisted living, and skilled nursing facilities.

We offer LTC Hybrid and traditional policies. A hybrid Long Term Care policy combines the benefits of life insurance (or annuity) with long term care benefits. Similar to a traditional Long Term Care policy, the benefits are paid in an amount chosen when the policy is purchased, and expressed as an amount per day, month or year. Chronic illnesses and serious injuries can happen at any age. The younger you are when you purchase Long Term Care coverage, the lower the annual cost of your policy.

Regardless of your age, Long Term Care coverage is a smart decision. These policies reimburse policyholders a daily amount (up to a pre-selected limit) for the costs related to services that assist with activities of daily living such as: bathing, dressing, eating and transferring. The benefits of the policy offer physical, occupational and cognitive therapy, and medication management. This coverage generally requires a minimum of 60 days before benefits are paid following a full evaluation from a nurse or health care coordinator.