Welcome to LTC Insurance
financial freedom! flexibility!

Planning for retirement can be stressful and for many today is a challenge. If you have a long-term illness or a chronic condition, you may require extended care at home, in an assisted living facility or nursing home.

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Long Term Care Insurance that Matters!

Long term care insurance can help make sure you have the financial resources to cover these costs. It will help you maintain your financial freedom and give you the flexibility to participate in helping you make choices that impact your care — about the services you receive, where you receive them and who provides the care you need.

We encourage you to browse this website, which is designed to give you some basic information about Long Term Care planning and Long Term Care Insurance. After you have done so we also encourage you to complete the inquiry form. This will enable you to learn more about your options, and to find a solution that may best suit your LTC needs and goals.

What is Long Term Care?

Long term care can be broadly defined as care provided by another party for the benefit of those who are unable to care for themselves. Generally, long term care refers to the personal care and other related services provided on an extended basis to people who need help with certain Activities of Daily Living (ADL’s) or who need supervision due to severe cognitive impairment such as Alzheimer’s Disease. Care can be provided at home, in the community, in an assisted care facility or in a nursing home.

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Long term care services aren’t adequately covered by most types of insurance, or governmental programs including Medicare and Medicaid.


Make The Best Choice!

The need for long term care can happen in an instant or gradually as a person’s health declines. Some of the reasons for receiving long term care include: chronic disease, prolonged illness, injuries sustained as a result of an accident, disability, or cognitive impairment such as Alzheimer’s Disease that limits a person’s ability to think or reason.

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Preserving Choice and Dignity When You Need Care

insuranceIf you ever have a long-term illness, a chronic condition or Alzheimer’s disease, you may need help with things like bathing, dressing and eating. Your family may want to help you, but they may not be physically able to provide care or their busy schedules may make it difficult to devote enough time to your needs. Aides can come into your home, but these costs are not usually covered by ordinary health insurance policies and Medicare. These expenses can quickly deplete your nest egg, no matter how much you’ve saved. This is when long term care insurance can help.

Long term care insurance (LTCI) can help cover the cost of care you receive at home from nurses’ aides, home health aides and therapists. It can help cover services in an assisted living facility and, if you require skilled care, nursing home expenses can be covered.

It helps you maintain your dignity and financial freedom and gives you the flexibility to participate in making choices that impact your care — about the services you receive, where you receive them and who provides the care you need.

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Get the information you need to make the best desicion for your long term care insurance.