News and Announcements

04/01/2017

Retirement: What's Your Plan?
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04/01/2017

The Benefits of Long Term Care Insurance Are Invaluable
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04/25/2016

Ensure Mom Has the Care She Needs
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What Is Long Term Care Insurance?

What Is Long Term Care Insurance?

Long term care insurance is an insurance product which pays for long term care services in many settings, such as at home, a nursing home, assisted living facility, and adult day care facility.

Many people elect to buy long term care insurance so they will not need to deplete their savings should they need long term care services. Long term care insurance can help ensure that financial resources and support are in place when you need them.

How Does Long Term Care Insurance Work?

First, you must apply for coverage. If you are approved for coverage, pay your premiums, and you meet the insurance carrier's criteria for benefit payment, you will be reimbursed for covered long term care services up to the amount of daily benefit after you satisfy the waiting period.

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Myth 1: I Am Too Young to Need Long Term Care

Long term care is not just for the elderly. Nearly 41% of long term care is provided to people under age 65 who need help taking care of themselves due to diseases, disabling chronic conditions, injury, developmental disabilities, and severe mental illness.1

Learn more about common long term care myths.