What Is Long Term Care (LTC)?

LTC is care provided in an assisted-living facility, nursing home or your own home for reasons such as injury (car accident, sporting accident), illness (Parkinsons, Multiple Sclerosis, Alzheimer's), or aging.

Long Term Care Settings

Understand the different long term care settings and costs.

The Cost of Care in Your Area

Home Care
$75,500 per year

Home Care 

$58,300 per year

Supportive care at home by licensed professionals or caregivers. Average stay: 3 years. Most LTC recipients (79%) prefer home or assisted living over institutions.

Assisted Living
$64,200 per year

Assisted Living 

$64,200 per year

Assisted living offers residents independence and a home-like atmosphere with personal care and support services if needed. Average stay: 2.5 - 3 years.

Nursing Home
$116,800 per year

Nursing Home 

$116,800 per year

Provides continual care, often referred to as skilled nursing. Average stay: 2.4 years. Modern facilities offer resort-style living with amenities like social activities and salons.

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House Fire

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Auto Accident

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Disability

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LTC Ages 18-65

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LTC Ages 65+

What is the Risk of Needing LTC?

When compared to using other lines of personal insurance, long-term care is the highest risk. Why would you handle the risk of LTC any differently than you handled the other risks?

Calculate Your Rates

What is your Strategy to Pay for Long Term Care?

Private Pay (Self-Insuring)

Private Pay (Self-Insuring)

If you choose self-insurance for LTC, your care can massively strain your finances with costs up to 100k+ annually.

Self-Investing Calculator
Depending on Family

Depending on Family

Depending on family for care can often burden your loved ones emotionally, financially, and personally.

Self-Investing Calculator
Government Programs

Government Programs

Programs like Medicaid or Medicare may require specific criteria, compromising quality and choice in care.

LTC Legislation
LTC Insurance

LTC Insurance

Safeguard savings, retirement, and home, while offering flexibility and financial protection for your family.

Calculate Your Rates

We're Here to Help

Licensed long-term care specialists are available to assist you in understanding the plan and rates.

Call (877) 286-2852

Apply Now

Take advantage of this benefit and safeguard your future tomorrow. 

Longterm Care by the Numbers:

40%

Risk of needing LTC for ages 18-65

67%

Risk of needing LTC for ages 65+

50k+

Average yearly cost for in home care 

100k+

Average yearly cost for a nursing home