Frequently Asked Questions
What is long-term care?
Long-term care includes services that help with daily living activities such as bathing, dressing, eating, mobility, or supervision due to aging, illness, or cognitive impairment.
Doesn’t Medicare cover long-term care?
Medicare only covers short-term, medically necessary skilled care under very limited circumstances. It does not cover ongoing custodial care, which is what most people eventually need.
When is the best time to buy long-term care insurance?
Most people explore coverage between ages 45 and 65, while they’re still healthy enough to qualify and premiums are more affordable. Waiting too long can limit options or result in higher costs.
Is long-term care insurance expensive?
Costs vary based on age, health, benefit design, and coverage type. Planning earlier generally provides more choices and better pricing. We help design plans that balance protection and affordability.
What types of care are covered?
Depending on the policy, coverage may include:
- In-home care
- Assisted living
- Memory care
- Adult day care
- Skilled nursing facilities
What if I never need long-term care?
Many modern plans offer alternatives, such as:
- Life insurance benefits
- Return-of-premium options
- Asset-based protection
We’ll explain which options may fit your goals.
Can I customize a policy?
Yes. Policies can be customized based on benefit amounts, length of coverage, inflation protection, elimination periods, and more.
How do I get started?
We begin with a simple, no-obligation conversation to understand your situation and explain your options. There’s no pressure—just guidance.