Long Term Care Insurance

Think of it as independence.

Living life the way you want to. Making choices that are right for you – and your family. That’s what independence is all about.

But the truth is, few of us have the financial resources to ensure our independence if we need ongoing care as we grow older. Or in the event of a serious illness, injury, or disability which can strike at any age. And while you can always count on your family for help, you want to be sure that the time you spend together is quality time.


Protect your retirement.

Over the course of a lifetime, you save and invest to reach many goals; a comfortable retirement, travel, a second home, a legacy for your heirs or favorite charity.

By making long term care insurance part of your financial planning, you’re taking an important step toward meeting those goals. Because your retirement plans center on making the most of life; relaxing with family and friends, enjoying hobbies, reflecting on a life well lived.

Don’t let the high cost of long term care interfere with your plans and dreams.


Not just financial support.
Care planning expertise, advice, and resources.

Financial assistance is not the only kind of support you need when you’re faced with a long term illness or injury. For starters, you’ll want a resource you can talk to about care in general. You’ll also need an independent care coordinator who can help you design a plan of care that meets your needs and makes the most of your benefits.

When you need care, you – and your family – should not have to go it alone. It’s important to have:

• A plan of care
• Assistance with the claims process
• Advice regarding caregiving resources in your community
• Access to affordable care
• Resources to help you and your family manage the complexities of your care decisions


Quality time.
For you and your family.

Distance, work, time, and other responsibilities may make it difficult for family and friends to do as much as they might like. By covering personal care assistance from licensed health care and home care professionals, long term care insurance relieves you of having to rely too much on your family for financial help or physical assistance. So the time you spend together can be more rewarding and enjoyable.


Long term care insurance.
Important at any age.

It’s wise to plan for long term care when you’re young – and healthy. That’s because a serious accident or debilitating illness can strike at any age. If something were to happen while you were young, you would want to ensure you had ample coverage, since most of us don’t accumulate many assets until we’re older. If it were to happen later in life, you’d want to be sure you could remain independent, protect your retirement assets, and maintain your family’s well-being.


Many people mistakenly believe they are already covered.

Long term care insurance pays for personal assistance with activities such as eating, bathing, using the toilet, and moving around – or for supervision due to a cognitive impairment. This assistance is typically not covered by health or long term disability insurance.