Long-Term Care Starts at Home
Not in a Facility
Home Is Where the Heart Is, And Where Care Often Begins
When most people hear the words long-term care, their minds jump straight to nursing homes. But the truth is, long-term care often starts much earlier and right at home.
That’s why we focus on solutions that provide flexible coverage, allowing you the ability to stay in your home as long as possible, long before a facility ever becomes part of the conversation. Once you qualify, your plan can help you stay where you’re most comfortable: in your home, surrounded by the people and routines you love.
- You decide how your money is spent
- Reduces Family Burden
- Protects your Independence
We Solve the Biggest Problem in Long-Term Care
Overcoming Common Misconceptions
70% of people turning 65 today will need some type of long-term care in their lifetime.
U.S. Department of Health and Human Services, LongTermCare.gov, 2024
Today’s Long-Term Care Solutions Looks Nothing Like the Past
Long-Term Care often begins at home with a spouse, adult child or close friend stepping in to help. That’s why we design long-term care solutions that prioritize flexibility, family support and access to professional care when needed. Our goal is to create a plan that fits your lifestyle today while preparing for the challenges of tomorrow whether care happens in your home, in the community, or in a facility.
Traditional Long-Term Care Insurance
What it is:
A standalone insurance policy designed solely to pay for long-term care services, such as home health care, assisted living, or nursing home care.
Key Features:
Pays a daily or monthly benefit once you qualify for care
Premiums are typically lower at younger ages but can increase over time
“Use it or lose it” if you never need care, you may receive no benefit
- These are reimbursement policies, meaning once you go on claim, you must submit proof of eligible care expenses to receive reimbursement, up to your daily or monthly benefit limit.
- Most are qualified traditional policies that may protect part from Medicaid spend-down rules through your state’s Long-Term Care Partnership Program
Ideal for:
People who want dedicated LTC coverage and are comfortable with the possibility of paying premiums for a benefit they may not use.
.
Linked-Benefit Policies (Hybrid)
What it is:
Combines long-term care coverage with a life insurance policy or annuity. These plans provide benefits for LTC if needed, or a death benefit if not.
Key Features:
Premiums are typically guaranteed and can often be paid in a lump sum or over time
If care isn’t needed, heirs receive a tax-free death benefit
Tax Free Death Benefits if policy is not used – No “use it or lose it” downside
Generally are Full Indemnity based benefits where the carrier pays the full monthly benefit directly to you once you qualify, with no need for receipts or reimbursements you choose how the money is spent.
Ideal for:
Those who want LTC protection with a set premium payment period, prefer not to lose unused premiums, and want the flexibility to choose how the money is spent often find this option ideal for repositioning existing assets.
Life Insurance with Long-Term Care Riders
What it is:
A permanent life insurance policy that allows you to accelerate the death benefit to pay for qualified long-term care expenses.
Key Features:
Dual purpose: Provides both Life Insurance as an estate planning tool and access to benefits for care
Typically reduces the death benefit as you draw on it for care
Tax Free Death Benefits if policy is not used – No “use it or lose it” downside
Ideal for:
People already interested in permanent life insurance who want added LTC protection without buying a separate policy.
How do you qualify for Long Term Coverage once a policy is in place?
Most policies require you to need help with at least two of the six standard ADLs, or to have a cognitive impairment, as certified by a doctor.
What are the Six Activates of Daily Living (ADLs)
Six Activities of Daily Living (ADLs)
Bathing
The ability to wash oneself in a shower or bath, including getting in and out safely.Dressing
The ability to choose appropriate clothes and put them on without assistance.Eating
The ability to feed oneself (not including cooking or meal preparation).Transferring
The ability to move from one position to another, such as from a bed to a chair or standing up from a seated position.Toileting
The ability to get to and from the toilet, use it properly, and manage personal hygiene afterward.Continence
The ability to control bladder and bowel function, or to manage incontinence independently.
What does Long Term Care cover?
Long Term Care policies typically cover:
Home health care
Assisted living facilities
Adult day care
Skilled nursing homes
Hospice care
Coverage depends on the policy type and benefit amount selected.
Independent, Unbiased, and Built Around You
Multiple Carrier Options,
Clear Recommendation
I work with multiple A-rated insurance companies to find the best fit for your needs not just one product or brand.
Clear Education
I break down the options, terminology, and features so you can make informed, confident decisions.
Customized Solutions
Your extended-care plan is tailored to your goals, health, and budget; not a one-size-fits-all approach.
Here's how it works...
Step 01
Personalized Care Consultation
A focused one-on-one meeting to evaluate your future care needs, explain available long-term care solutions, and design a plan that helps protect your independence, assets, and loved ones, whether care begins at home or in a facility.
Step 02
Tailored Solutions Review
In this step, we walk through your personalized long-term care strategy reviewing benefit options, costs, and coverage structures to ensure the plan aligns with your goals and financial needs. It’s about finding the right fit, not a one-size-fits-all solution.
Step 03
Underwriting Your Care Plan
This step begins the underwriting process to assess your eligibility based on health history and policy requirements. There’s no obligation to purchase, and no decisions are final until you’re fully approved and comfortable moving forward.
6 Benefits of Long-Term Care Insurance
Protects Your Independence
Allows you to receive care in your home, helping you maintain control and dignity.
Eases Family Burden
Relieves loved ones from becoming full-time caregivers or managing complex care decisions.
Home Care Benefits First
Many modern policies prioritize care in the home, where most people prefer to remain.
Cash or Indemnity Options
Some policies pay a fixed amount, giving you flexibility in how the money is spent.
Covers a Range of Services
Pays for home health care, assisted living, adult day care, nursing homes, and hospice.
Preserves Retirement Assets
Reduces sequencing of returns risk and depleting your savings to pay for extended care costs.
Frequently Asked Questions
How do you get paid? I welcome this question!
The insurance company pays my commission directly, there’s no cost to you.
Set by the carrier: The commission rate is determined by the insurance company based on the annuity type and duration.
Non-negotiable: Agents can’t adjust or waive the commission, it’s baked into the product design
Do Long-Term Care Policies Require Underwriting?
Yes, long-term care (LTC) insurance policies require underwriting. This means the insurance company will evaluate your health history, medications and possibly conduct a phone interview or review medical records to determine if you qualify for coverage. The scope of underwriting id dependent on the individual carrier.
Does Medicare pay for Long-Term Care coverage?
No, Medicare does not cover traditional long-term care.
Medicare only covers short-term, medically necessary care under specific conditions not ongoing custodial care like help with bathing, dressing, or eating.
How much does long-term care insurance cost?
Costs vary based on your age, health, benefit amount, and policy type. Starting earlier usually means lower premiums and more choices.
What happens if I never use the coverage?
Traditional LTC policies typically do not offer refunds if unused.
Hybrid and Life Insurance with Long-Term Care Rider will pay a death benefit to your beneficiaries.
Do I need to be in a nursing home to use my benefits?
No. Many policies provide coverage for care at home, which is where most long-term care begins. Some newer policies even pay cash benefits, allowing you to choose how the money is used.
What is an elimination period?
An elimination period is the waiting period before long-term care insurance benefits begin after you become eligible for a claim. It works like a deductible in time—you’re responsible for covering care costs out of pocket during this period.
Common elimination periods are 30, 60, 90, or 180 days
The shorter the period, the higher the premium
It starts once you’re certified as needing care (unable to perform 2 of 6 ADLs or have cognitive impairment)
Typically counts calendar days, not days you receive care (though this varies by policy)
Please refer to your policy contract for details
What the difference between Reimbursement vs. Indemnity
Reimbursement: Pays for actual care expenses up to your benefit amount – you will submit receipts for care to the company
Indemnity: Pays the full benefit regardless of actual expenses—you choose how to use the money
Do all policies offer inflation protection?
No, Traditional and Linked-Benefit Policies offer inflation protection riders. Standalone Life Insurance do not offer inflation protection as your benefit is based on the Death Benefit.
How long will my coverage last?
It’s all based on policy design, generally the length of time benefits will be paid ranges from 2 to 6 years depending on your pool of funds.
If I went on claim with a full indemnity policy could I pay my daughter to take care of me?
Yes, in many cases, a full indemnity policy provides a fixed cash benefit once you’re eligible for a claim regardless of who provides the care. That means you could use the funds to pay a family member, like your daughter. However, it’s important to review the terms of your specific policy as each policy is different.
