Long-term care insurance

Medical insurance and Medicare have limits for prolonged care. LTC covers the assistance services you need if you can no longer care for yourself.

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Certified agents

We help you find the right plan. No extra cost to you.

What's included?

Home care

Covers nurses, therapists and aides in your home for assistance with daily activities.

Care facilities

Nursing homes, assisted living facilities and adult day care centers.

Why choose us?

Better to buy young and healthy

LTC premiums are significantly lower if purchased at age 50-60 than at 70+. Health at application time determines eligibility.

Frequently asked questions

Does Medicare cover long-term care?
Only partially and with strict limits. Medicare covers up to 100 days of skilled nursing facility care after hospitalization, with copays from day 21. It doesn't cover indefinite custodial care.

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