Long Term Care (LTC) insurance covers the cost of care when you have a chronic medical condition, disability, or disorder such as Alzheimer’s disease. Unlike traditional health insurance, LTC covers “custodial care”—assistance with daily living activities like bathing, dressing, and eating.
Crucially, Medicare does NOT pay for long-term custodial care. Without insurance, these costs must be paid entirely out-of-pocket, which can rapidly deplete a lifetime of savings.
Caregivers coming to your home to help with daily tasks, allowing you to age in place comfortably.
Covers the room and board plus care services in certified assisted living facilities.
Full-time skilled nursing care in a specialized facility for more serious conditions.
Temporary care services to provide relief for your primary family caregiver.
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*Costs vary by state. In many areas, costs can be significantly higher.
To trigger benefits, a healthcare professional typically must certify that you are unable to perform at least two of the six Activities of Daily Living (ADLs) without assistance for at least 90 days:
Alternatively, coverage also triggers if you require substantial supervision due to a severe cognitive impairment (like Alzheimer’s).
We are legally committed to putting your best interest first—always.
Your coverage is customized based on real needs not generic plan options.
We simplify complex options by comparing plans across multiple carriers.
Annual reviews and year-round help when changes or questions arise.
We review your health, prescriptions, doctors, and budget to establish a clear starting point.
We analyze plans across multiple carriers to find the best fit for your needs.
We handle enrollment and continue reviewing your coverage as plans change each year.
See how individuals and families gained clarity, reduced healthcare costs, and chose coverage that truly fits their needs.
We help individuals understand their coverage options and make informed decisions with confidence.
Side-by-side comparisons make it easier to choose coverage that fits health needs and budgets.
Below are answers to the most frequent questions we hear from individuals preparing for or already enrolled in Medicare.
The sweet spot is typically between ages 50 and 60. Buying earlier ensures lower premiums and a higher likelihood of qualifying health-wise. Waiting until after 65 often results in significantly higher costs or denial of coverage due to health changes.
Yes, but only for those with very low income and almost no assets. To qualify, you must 'spend down' your life savings until you are practically impoverished. LTC insurance prevents this financial devastation.
Hybrid policies combine Life Insurance with Long Term Care benefits. If you need care, the policy pays for it. If you never need care, your beneficiaries receive a death benefit. This solves the 'use it or lose it' fear of traditional LTC policies.
In many cases, yes. Qualified LTC insurance premiums may be tax-deductible as a medical expense within certain limits, depending on your age and tax situation.
Take the next step with a complimentary consultation and get personalized support from a licensed, independent advisor—no pressure, no obligation.
