Plan Today for Tomorrow’s Needs
70% of people turning 65 will need some form of long-term care in their lifetime. Without insurance, these costs can quickly drain retirement savings — the average nursing home stay costs over $100,000 per year.
Long-term care insurance helps cover these expenses so you can maintain your independence and protect the assets you’ve worked a lifetime to build.
What Long-Term Care Insurance Covers
Nursing Home Care
24-hour skilled nursing care in a licensed facility. Covers room and board, medical services, therapy, and personal care assistance.
Assisted Living
Coverage for residential facilities that provide help with daily activities like bathing, dressing, eating, and medication management in a less clinical setting.
In-Home Care
Home health aides, skilled nursing visits, physical therapy, and personal care services delivered in your own home. Stay independent longer.
Adult Daycare & Community Services
Coverage for adult daycare centers that provide supervised care, social activities, and meals during daytime hours, giving caregivers needed respite.
When to Buy Long-Term Care Insurance
The best time to purchase long-term care insurance is typically between ages 50 and 65 — when premiums are lower and you’re more likely to qualify medically. Rates increase with age, and certain health conditions may affect eligibility.