70% of Americans will need long-term care at some point in their lives. Without insurance, a single year of care can wipe out decades of savings. We help you plan ahead with the right coverage — before you need it.
Source: Genworth Cost of Care Survey. Costs vary by location and level of care.
Long-Term Care (LTC) insurance helps cover the cost of services you may need when you can no longer perform everyday activities on your own — whether at home, in an assisted living facility, or in a nursing home.
Help with bathing, dressing, meal preparation, medication management, and household chores — in the comfort of your own home.
Residential communities that provide personal care support, meals, social activities, and 24-hour supervision in a home-like setting.
Skilled nursing care, rehabilitation services, and around-the-clock medical supervision for those with serious health needs or memory conditions.
There's no one-size-fits-all solution. We'll help you find the right approach for your situation.
Standalone long-term care policies designed specifically to cover extended care needs. You pay premiums and receive benefits when you need care. Customizable benefit amounts, inflation protection, and care periods.
Combines life insurance with a long-term care rider. If you need care, the policy pays for it. If you never need care, the death benefit goes to your beneficiaries. Single-premium or flexible-pay options.
An annuity with a long-term care rider can multiply your benefit amount if you need care. A portion of your annuity value is leveraged for care expenses, providing enhanced coverage without a separate insurance policy.
No. Medicare only covers skilled nursing care for a limited time (up to 100 days) following a qualifying hospital stay, and only if you're expected to improve. It does not cover ongoing custodial care — help with daily activities like bathing, dressing, and eating — which is what most people need. That's where LTC insurance comes in.
Traditional LTC insurance is a standalone policy — you pay premiums, and if you need care, it pays benefits. If you never need care, you get nothing back. Hybrid policies combine life insurance or an annuity with a long-term care rider — if you need care, the LTC benefit pays for it; if you don't, the death benefit or annuity goes to your beneficiaries. Hybrids solve the "use it or lose it" concern but typically require a larger upfront premium.
It depends on your location, assets, family health history, and preferences. We'll help you evaluate care costs in your area, determine how much of your savings you want to protect, and design a benefit amount and period that makes sense. A typical policy might provide $150–$250 per day for 3–5 years, with inflation protection.
It depends on the severity. Traditional LTC policies require medical underwriting, and certain conditions (like Alzheimer's, Parkinson's, or recent stroke) may disqualify you. However, hybrid life/LTC policies and annuity-based options often have more lenient underwriting — some require only a few health questions rather than full medical underwriting. We'll explore all available options based on your health profile.
Often, yes. For traditional LTC policies, a portion of your premium may be deductible as a medical expense on your federal taxes, with the deductible amount based on your age (the limit increases as you get older). Benefits received are generally tax-free up to a daily cap. For hybrid policies, the tax treatment may differ. We recommend consulting your tax advisor, and we'll provide the policy details you need for your tax planning.
Long-term care insurance is most affordable and accessible when you're younger and healthier. Don't wait until it's too late. Book a free consultation today and let's protect your future together.