Long Term Care

Most Americans live longer lives thanks to the advancements in preventative care. A long-term care policy can help cover the costs of many services.

Types of Services:

  • Nursing home coverage
  • Assisted living facility coverage
  • Adult day care center coverage
  • Home health care coverage
  • Personal care coverage

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Most policies pay a daily maximum benefit and a lifetime maximum benefit. Actual benefits are chosen at the time the policy is purchased. The daily maximum benefit for most long-term care insurance policies is usually less than the cost of one average day of long-term-care service. A complete legal description of the contractual provisions and benefits which may vary is contained solely within the policy itself.