Long Term Care Insurance

Nursing Home Care
Assisted Living
Home Healthcare

LTC Insurance protects seniors from the cost of care they may need in the future including nursing home care, assisted living, and home healthcare services.

Long Term Care Insurance

Get Help with Activities of Daily Living

LTC Insurance helps protect seniors who become no longer able to perform activities of daily living (ADL), such as eating, bathing, and getting dressed.

Get Help with Activities of Daily Living

LTC Insurance + Life Insurance

Combination Policies

Long Term Care insurance can be offered as a Combination policy which combine LTC coverage and Life Insurance into one plan.

LTC Insurance + Life Insurance

Frequently Asked Questions About Long Term Care Insurance

Long term care (LTC) insurance provides coverage for future care seniors may require, such as nursing home care, assisted living, and home health care services. Long term care insurance can be sold as a standalone plan or as a combination plan with a life insurance policy.

LTC insurance covers someone when they have a physical, or cognitive, chronic condition which causes them to be unable to perform activities of daily living (ADL) for at least 90 days. Examples of chronic conditions include heart disease, diabetes, Alzheimer’s disease, and other long-lasting conditions. LTC policies pay for care needed to ensure seniors with chronic conditions can perform normal daily tasks necessary to live.

Activities of daily living (ADL) are everyday tasks including eating, bathing, dressing, going to the bathroom, and basic movements such as going from a bed to a chair. Inability to perform ADLs are commonly used to determine if someone requires long term care. LTC insurance policies typically require that someone be unable to perform at least two activities of daily living before the policy pays out benefits to cover care.

See more LTC Insurance FAQs