Long-Term Care Insurance

LTC pays for the cost of day-to-day care.

Long term care includes a wide range of services that are provided over an extended period of time to people who need assistance to perform normal activities of daily living. Long term care can include rehabilitation, skilled nursing care, palliative care, and social services, as well as support for family caregivers and/or home health care agencies.

Long Term Care Insurance policies pay the cost of day-to-day care for a person with an acute or long-term illness or disability. Without this specialized insurance, the high costs associated with this care will come from you and your family’s cash assets. For those without assets, the bills are paid by Medicare programs which are administered by state government. Somewhat less than half are paid by state Medicare programs. Medicare supplemental coverage and health insurance provided by employers do not pay for most long-term care expenses.

We work independently with the freedom to find you the appropriate policy from a wealth of insurance carriers. Our Long Term Care Specialists will explain terms such as: skilled nursing, intermediate care, and custodial care. We will assist you in considering eligibility factors, elimination periods, inflation protection, benefit limits, waiver of premium, and death benefits.

Contact us today at 724-863-3420 to speak with one of our experienced advisors and learn how we can help you be prepared when you or your loved ones needs the most care.