Long Term Care Insurance

Long Term Care insurance means choices, options, freedom, and quality of life.

When it comes to long-term care, it doesn't pay to be shortsighted, because the future may well find us ill prepared...both emotionally and financially.

When confronted with the phrase "Long-Term Care", the average person thinks of nursing home insurance. When actually, LTC insurance may be the only thing that keeps you out of a nursing home!

What is Long-Term Care Insurance?

Long Term Care is not necessarily medical care but rather "custodial care." Custodial care involves providing an individual assistance with activities of daily living or supervision of someone who is cognitively impaired.

To better understand Long Term Care, think of the activities that you performed when you woke up this morning. You probably:

  1. Climbed out of bed                                    
  2. Walked to the bathroom
  3. Used the toilet                               
  4. Used the bath or shower (Shaved, combed your hair, brushed your teeth, etc.)
  5. Got dressed
  6. Ate breakfast

While we are healthy it is easy for us to take for granted the above Activities of Daily Living (ADL's). However, when we are in an automobile accident or stricken with a degenerative condition such as brain tumors, ALS (Lou Gehrig's), Parkinson's Disease, Multiple Sclerosis, AIDS, an aneurysm or a stroke these ADL's becomes impossible without the assistance of another person.

This type of care is Long Term Care. It is the same type of care that a parent must provide for their new baby. This type of care is chronic (full-time) and thus becomes very expensive. And everyone's life changes when a family member needs long-term care!   It takes an emotional toll on loved ones.

Speak to your Customer Care Specialist to find out how affordable this type of health coverage can be while you are healthy enough to get it.

Saving Money for Families and Small Businesses

  • Health plans as low as $89 per month
  • Traditional Major Medical or New Fixed Indemnity Health Plans.
  • Life Insurance, Cancer, Critical Illness, Medicare, Long Term Care and other Supplemental Coverage.
  • Flexibility.  Freedom to choose from a wide array of policies and benefit options.
  • Preexisting Conditions Health Insurance
  •  Freedom to choose your providers without a referral.
  • Health Plans with No Deductibles, No Co-Insurance and No Co-Pays.
  • Dental Insurance as low as $15.50.