Long-Term Care Insurance
Protect Your Future — Without Draining Your Savings
Why Long-Term Care Coverage Matters
Medicare doesn’t cover extended care needs.
If you ever need help with daily activities — like bathing, dressing, or eating — traditional health insurance and Medicare won’t cover it. That’s where long-term care (LTC) insurance comes in.
- Pays for nursing homes, assisted living, and home care
- Protects your savings and family assets
- Helps you maintain independence and dignity
- Coverage options with flexible benefit amounts
- May include care coordination and support services
Planning now can give you more options — and peace of mind — later.
Who Should Consider Long-Term Care Insurance?
It’s not just for the elderly — it’s for the prepared.
LTC insurance is most affordable when purchased in your 50s or early 60s. It’s ideal for those who want to stay in control of their future care decisions.
- Adults planning for retirement security
- Families who want to avoid caregiving burdens
- Individuals with a family history of chronic illness
- Homeowners wanting to protect their estate
- Medicare recipients looking for added protection
We’ll walk you through the pros and cons and help you decide what’s right.
Your Options for Long-Term Care Coverage
There are more ways to plan than ever before.
From standalone LTC policies to hybrid life insurance plans with long-term care riders, Dee can help you compare solutions.
- Traditional LTC policies with monthly benefits
- Asset-based or hybrid annuity options
- Life insurance with LTC benefits
- Short-term care plans for limited needs
- Inflation protection and customized features
You don’t have to figure it out alone — Dee will guide you through it.
Questions?
What does long-term care insurance cover?
It helps pay for assistance with daily activities like bathing, dressing, or eating — either at home or in a facility.
Does Medicare cover long-term care?
No. Medicare only covers short-term skilled care — not extended stays in nursing homes or personal care services.
When should I buy long-term care insurance?
The earlier, the better — typically in your 50s or early 60s while you’re still healthy and eligible.
Can I choose how much coverage I get?
Call Us Today!Yes — plans are customizable based on how long you want benefits to last and how much you want them to pay.
Are there alternatives to traditional long-term care insurance?
Yes — there are hybrid life insurance and annuity options that include long-term care benefits.
