Long Term Care Protection

With the growing population living longer, there is an imperative to provide coverage to deal with the staggering costs associated with Long Term Care (LTC). Proper planning is essential in addressing this concern. Andrew offers extensive coverage options that can insure the care of those who need it most.

Long Term Care Insurance (LTC) helps pay the medical expenses of extended home health care, assisted living care or nursing home care costs. In general, individuals who require LongTerm Care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance. Long Term Care coverage, very importantly, can provide a benefit for those who are suffering with Alzheimer’s disease or other forms of dementia.

Long Term Care Insurance can help protect your family’s financial future. It can help hedge the liquidation of assets that have taken years to build and provide valuable coverage for the costs associated with:

  • Home Care
  • Assisted Living
  • Adult Daycare
  • Nursing Homes
  • Respite Care
  • Hospice care

Due to the volatility and instability of the long term care market, in addition to the traditional stand alone policies, many insurance companies now provide a life policy with a long term care component. These polices guarantee that either a death benefit or long term care benefit will be paid.

For more information about this or another plan or if you have a question contact Andrew @ (516) 485-3311