Don't leave any aspect of your financial well-being to chance; protect yourself with the right insurance coverage for all your needs.
Group Long-Term Care Insurance
Don't wait until it's too late to start planning for long-term care. With Group Long-Term Care Insurance, you can care for your employees and their families while controlling costs.
As people live longer, the need for long-term care has become increasingly common.
Long-term care insurance can help cover care costs for an unexpected illness, injury, or disability. Our Insurance Agency offers a range of group long-term care insurance options to help protect you and your loved ones' financial future. Every situation is unique, so we offer customizable policies to meet your needs. Our experienced insurance professionals will work with you to assess your needs and develop a custom insurance plan that fits your budget.
Our group long-term care insurance plans provide coverage for a range of services, including
Nursing home care
Home health care
Hospice care
Respite care
Our group long-term care insurance plans also offer additional benefits, such as
Protection against rising healthcare costs
Preservation of assets and financial independence
Increased options for care, including the ability to receive care at home
Some policies only cover nursing home care. It doesn’t cover assisted living facilities, which is essential since this care is rapidly expanding.
Solution
Long-Term Care insurance should be considered to cover these expenses.
In-home care & nursing coverage
Risk Factors
You may end up paying for in-home care, including nursing and physical therapies.
Solution
Many Long term care policies also cover in-home care, including nursing care, physical therapy, and medical equipment.
Adult daycare coverage
Risk Factors
You may have to pay them for their services from your pocket if you hire a caregiver.
Solution
Policies may cover community care, usually adult day care, so you don’t need to pay them all by yourself.
Modifications to house coverage
Risk Factors
You may need to build a wheelchair ramp for one of your family members because of their medical conditions.
Solution
Some policies may even pay benefits to family members who act as caregivers or cover home modifications, such as adding wheelchair ramps or installing safety devices.
Major diseases coverage
Risk Factors
A family member may be affected by a major disease and need continuous care, which may cost you money daily.
Solution
Most policies cover care related to Alzheimer’s or other forms of dementia. Still, there are exceptions because this is a common condition, double check that it’s included in your loved one’s policy.
