Long–Term Care Insurance 
Provides benefits to pay the cost of health and personal care services for someone who becomes unable to care for himself or herself. This could be the result of a chronic illness or a disabling condition. To ensure a comfortable future, it makes sense to purchase long–term care insurance.

The basic coverage will fund health and personal care services for an insured person residing in a long-term care facility. You can also purchase additional coverage that would pay for home care provided in the comfort of the insured person’s own home. Home care also includes help with everyday tasks such as cooking, cleaning and shopping.

Depending on the plan selected, a policy could specify that benefits be paid for one year, two years, five years, or for the insured person’s entire life.

Facility Care 
Provides a daily income benefit for every day that the insured person requires health and personal care services within a long–term care facility.

Home Care 
An optional benefit purchased in addition to Facility Care insurance. This benefit pays for the cost of home care for an insured person. Home care is defined as a medically necessary long–term care program, recommended by a physician and provided by a licensed nurse or health care worker in the insured person’s own home.

Contact Us. We can help you plan ahead to take care of your long–term needs.