Long Term Care Insurance

Long-term care insurance is a smart solution.

Long-term care is the type of care people need when they can no longer manage basic daily activities on their own such as eating, dressing or bathing. A long-term care insurance policy can help ensure that a long-term care event doesn’t become a family burden or a financial misfortune. When you incorporate long-term care insurance into your overall financial plan you and your family will be able to help:

  • Protect your retirement assets for their intended purpose
  • Preserve your independence and ability to choose where you’d like to receive care
  • Cover the cost of long-term care expenses if they arise
  • Reduce the physical and emotional burden that caregiving can have on family members
  • Remain in your home with caregivers whom you select.

Now is the time to learn more about long-term care insurance and how long-term care insurance, can help protect you today and in the future.

Nursing Home Costs

Types and Levels of Care

Long-term care comprises many different services aimed at helping people with chronic conditions compensate for restrictions they have in their ability to function independently. Those who need long-term care have diverse physical and mental impairments that require different types and levels of care. As such, the long-term care industry has introduced us to new terminology to describe the places and the ways in which care occurs.

First, long-term care can take place in a variety of settings. These include

  • in an individual’s home;
  • at sites in the community;
  • in an assisted living facility (ALF); and
  • in a skilled nursing facility (SNF).

Receiving care and services at home or in a community setting allows an individual to continue to live at home rather than be placed in a nursing facility or other type of full-time residence. Central to managing long-term care is enabling those who prefer to remain in their homes to be able to do so and to maintain their independence as long as possible.


Please contact Ann for a private discussion about this vital protection from the rising costs of home health care and assisted living.