Long Term Care Plans
Prepare for Tomorrow: Comprehensive Long-Term Care Coverage for Your Future Needs
Your Legacy, their Security - Start with Life Insurance today
Life insurance isn’t just a policy - it’s a promise of love, protection, and financial security for the people you care about most. Let’s help you keep that promise
Many people will spend their twilight years in a care facility.
As you grow older, everyday tasks—like putting on clothes or standing for extended periods to complete chores—can become more difficult. Over time, you may require nursing care along with home assistance as your health declines. Unfortunately, traditional health insurance or Medicare often covers only a fraction of the costs associated with long-term care. This is where long-term care insurance becomes crucial. It helps offset the expenses of a nursing home, assisted living facility, or other long-term care services. These policies provide coverage for various services that aren’t typically included in standard health insurance, categorized into skilled, intermediate, and custodial care.
Skilled Care
If you experience a serious illness or injury from which recovery is possible, skilled care will likely be a part of your treatment. This type of care is provided by licensed nurses or professional therapists and is typically needed on a daily basis. It is ordered by a physician and follows a structured treatment plan designed to help you recover. In essence, skilled care is focused on improving your condition and aiding your recovery.
Intermediate Care
Intermediate care is similar to skilled care but doesn’t require daily attention. For example, if you’ve injured your leg and need physical therapy a few times a week to aid in your recovery, this would fall under intermediate care. It focuses on rehabilitation but with less frequent visits compared to skilled care.
Custodial Care
Custodial care, unlike skilled and intermediate care, does not focus on recovery or rehabilitation. Instead, it provides assistance with daily living activities, such as bathing, eating, dressing, using the toilet, and transferring in and out of bed or chairs. It also includes care for medical needs like catheter or colostomy maintenance. Custodial care can vary widely, from occasional in-home help a few times a week to full-time care in a nursing facility.
Individual Disability Insurance
The most flexible and reliable disability insurance option is an individual policy that you purchase independently. Unlike employer-provided plans, a privately owned policy is portable, ensuring continuous coverage even if you change jobs. Individual policies typically cover 40% to 65% of your pre-disability gross salary. If premiums are paid with after-tax dollars, the benefits are received tax-free.
Frequently Asked Questions
How much does long-term care insurance cost?
The cost of long-term care insurance varies depending on factors such as your age, health status, the amount of coverage, the length of the benefit period, and the insurance company. Premiums can range from a few hundred to a few thousand dollars per year.
When should I purchase long-term care insurance?
The best time to purchase long-term care insurance is usually in your 50s or early 60s. At this stage, premiums are generally more affordable, and you’re less likely to have health issues that could affect your eligibility. However, if you’re in good health, it’s still worthwhile to explore your options at any age.
Where can I learn more about long-term care insurance?
To find out if long-term care insurance is right for you, consider speaking with a licensed insurance agent who specializes in this type of coverage or consulting a financial advisor experienced in retirement planning. They can help you understand your options and make an informed decision based on your needs.
Ensure Your Comfort and Dignity in Your Golden Years
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We are not connected with or endorsed by the United States government or the federal Medicare program.
We do not offer every plan available in your area.
Any information we provide is limited to those plans we do offer in your area.
Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
INSURANCE EDUCATORS
SERVICES
ADDITIONAL SERVICES
STAY CONNECTED
© 2025 Insurance Educators
All Rights Reserved.
Privacy Policy & Terms of Service
Site Design by MSFS
We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Why Life Insurance Matters
Life insurance is one of the most meaningful ways to protect the people you love. While it’s often seen as both a financial and emotional decision, at its heart, it’s really about love, care, and providing a secure future for those who matter most.
Every year, millions of individuals and families choose life insurance for reasons that are often hard to put into words, but deeply felt. It may seem like a simple concept, but the motivation behind it is personal, emotional, and powerful.
If you’re like most people, you’re here for the same reasons,
to protect your loved ones, fulfill your responsibilities, and ensure their future is safe.
Here’s why life insurance matters.
Here's why more individuals and families choose to protect what matters with life insurance:
Protect the People You Love
Life insurance is about providing for those who depend on you. It’s a commitment to shield your family from financial stress if something unexpected happens, so they can keep moving forward with confidence.
It's Not For You - It's for Them
The purpose of life insurance is simple: to protect your loved ones when you’re no longer there to do it yourself. It’s about their security, not yours - and that peace of mind is priceless.
Provide for your loved ones no matter what
By securing their financial future, you’re helping your loved ones maintain their lifestyle in the event of the unexpected.
Time, Choices and Financial Breathing Room
Losing a loved one is overwhelming. Life insurance helps your family avoid rushing difficult decisions, providing the time and financial flexibility they need to adjust at their own pace.
Immediate Funds, When They’re Needed Most
The payout from a life insurance policy is often available right when it’s needed most - and usually tax-free.
