Benefits & Financial Services

Long-Term Care Insurance

Long-term care insurance can help protect you as well as those you love in the event that extended health care is needed.

Long-term care insurance can provide funds to help cover:

  • Daily activities such as bathing, eating, dressing
  • Skilled nursing care or rehabilitation training either in a nursing facility or at home
  • Cognitive impairment such as Alzheimer’s

A common misconception about long-term care expenses is that Medicare, Medicaid, or another health insurance will pay for long-term care costs. However:

  • Medicare has eligibility requirements for skilled nursing care and only covers a limited time period.
  • Medicaid is a welfare program and will not cover long-term health care costs for the average recipient.
  • Health insurance and medical supplements do not cover nursing home care.
  • Individuals and families often pay most long-term care costs through their savings, assets and cash.

We want to make the long-term care insurance evaluation process simple. Our agents are poised to help you understand the different options and provide you with choices from a number of different companies we represent.