Long-Term Care Insurance
We partner with Long Term Care Associates to offer you LTCRplus, a service to help you navigate through the complex emotional and financial challenges of Long‑Term Care, for yourself and/or family members.
- This service helps you find the HIGHEST benefits for the LOWEST premiums for Long-Term Care insurance, with exclusive group discounts not available to the general public.
- You can compare the newest coverage options that pay benefits — even if you don’t need care right now.
- Enrollment in this service is COMPLIMENTARY, and guidance is available over the phone or online; whichever you prefer.
4 Areas of Service
LTC Funding
Evaluate all the options to protect your assets and pay for care with exclusive group discounts.
LTC Navigation
Find the best care providers or facility based on specific needs.
LTC Legal
Create important legal documents needed when aging: Living Will, Power of Attorney, and more.
LTC Care Audit
Assess a current care situation to make sure proper care is received, at a facility or at home – around the country.
Questions & Answers
Some services are covered, but others are not. Medicare only pays for long-term care if you require skilled service or rehabilitative. The majority of Long-Term Care falls under non-skilled assistance, which Medicare does not cover. Medicaid covers more aspects of long-term care, but you must meet income and asset requirements to qualify and choice may be limited, such as physicians and facilities.
Some aspects of long-term care are covered by health insurance, such as nursing services to recover from illness or injury, however they are not the same thing. Your medical benefits may be limited to a maximum benefit you may receive. Health insurance is not designed to cover day-to-day living, but long-term care insurance is.
Coverage is available at the discounted rate for both you and your spouse. Additional coverage can be purchased for parents, parents-in-law, and adult children.