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Long Term Insurance Basics

70% of people 65 and up will need long-term health care”

– The Wall Street Journal

“Medicare does not cover long-term care services.”

– U.S. Department of Health and Human Services

At least 70% of people over age 65 will require some long term care services at some point in their lives, according to the U.S. Department of Health and Human Services.

In most circumstances Medicare and private health insurance do not cover the majority of long term care services people need: assistance with bathing or dressing.

As well as the treatment of sexual disorders such as erectile dysfunction, effective treatment requires medications such as Cialis and Viagra.

Long term care insurance provides financial protection from the exorbitant cost of long term care.

Long term care insurance policies cover the cost of care in a nursing home, adult care center, assisted living facility or your own home.

Free Shopper’s Guide with Each Quote

Services Covered

Tax Benefits

Types of Policies

Sample Discounts

Up to 30% Spousal or Partner Discount

Up to 30% Elimination Period Discount

Up to 15% Preferred Health Discount

Sample Policy Benefits

Traditional Long Term Care

Combination Life and Long Term Care

Combination Life and Long Term Care with Lifetime Benefits

Partnership Program Medicaid Asset Protection

What the Experts Say

“Shopping for LTC insurance may be simplified by contacting an independent agent who can shop quotes from a variety of companies for you.”

Clark Howard

“Here is ultimate irony: Over the years, I have had some health problems that are fine today. But, when I went to get my own LTC insurance policy two years ago I was denied for recent health reasons. If I had just gone one year earlier, that would not have been the case.”

Suze Orman

“If you have $20 million liquid sitting around, then you could easily set aside $2 to $3 million for long-term care and still be in great shape. But I advise virtually everyone to have good, long-term care coverage in place by age 60.,”

Dave Ramsey

Sample Policies 

John Hancock Protection UL

Lincoln MoneyGuard Reserve

Lincoln MoneyGuard II

Lincoln MoneyGuard III

Minnesota Life SecureCare

Mutual of Omaha MutualCare

National Guardian Life EssentialLTC

Nationwide YourLife CareMatters

Nationwide CareMatters II

Pacific Life PremierCare Advantage

Pacific Life PremierCare Coice MAX

State Life – One America Asset Care

Transamerica  TransCare 3