What Else Should I Know?

Long term care insurance can play a critical role, providing a variety of important benefits:

  • It is insurance primarily designed to cover the costs associated with long term care, helping protect your assets for the purpose you intended.
  • It enables you to participate in the choice of where you receive care, including in nursing homes, assisted living facilities, adult day care centers, and home settings – where many people prefer to stay.
  • The cost of coverage is based on your age and health when you apply. So, the younger and healthier you are, the lower your premiums may be.

Long term care insurance doesn’t replace what families do, but it does help them provide care for their loved ones better and longer.