Long Term Care

Long-Term Care (LTC) refers to extended care or services for people with disabilities or long-term illnesses.

Even though long term care can be the greatest crisis an elderly person can experience, there is an appalling lack of preparation among older Americans. Scarce government funds and changing demographics make the need for planning even more critical than ever.

What you may not realize is:

  • Medicare will NOT cover most of these types of services
  • LTC Insurance plans are not just "nursing home policies" anymore
  • LTC Insurance policies now typically cover nursing homes as well as home health care, assisted living, and adult day care
  • These options empower you to choose where you want to live and receive care — control when you and your family need it most!