Plan for care that health insurance does not cover
Long-term care helps individuals manage daily life when experiencing physical or cognitive changes, whether through in-home personal care or within communities like assisted living and nursing homes. Because these policies are subject to medical underwriting, securing coverage early ensures a broader range of competitive plan options and lower premium rates. We will put you in the hands of a carefully selected Long-term Care insurance specialist.
Health insurance pays for medical care
Medicare and health insurance exclude coverage for long-term custodial care, such as assistance with activities of daily living (e.g., bathing, dressing, and meal preparation) or regular supervision due to cognitive decline. While a short-term stay in a skilled nursing facility may be covered following a qualifying hospital discharge, this is a distinct, time-limited benefit.
Long-term care pays for daily help
Long-term care insurance is designed to offset the high costs of daily living assistance, whether received at home or within a specialized care facility, protecting a family’s retirement savings from depletion. Because these policies are subject to medical underwriting, securing coverage early ensures a broader range of competitive plan options and lower premium rates.
Where that care happens
The same policy can be designed around more than one setting. A specialist matches the benefit to the kind of care you actually want.
Help with bathing, dressing, meals, and getting around, so someone can stay in the house longer.
A residence with daily support, meals, and staff nearby, short of a nursing facility.
A more supervised setting for Alzheimer’s, dementia, or another cognitive illness.
Round-the-clock care when home or assisted living is no longer enough.
When people usually start
Many traditional policies are issued from about age 40 to 79, and the price climbs with age. People often call after a parent needed care, while they are planning retirement, or because a financial advisor suggested it. Couples are often quoted together, because shared benefits and a couple discount can change the numbers.
If savings outside the home are very limited, a policy may not be the right tool. Medicaid planning is sometimes a better fit. The form asks for a range, not an account balance, so the specialist can tell the difference before anyone spends time on a quote that will not work.
If you live in Washington
Washington has a state program, WA Cares, with its own rules. It is not the same thing as a private long-term care policy. Tell us your state on the form and the specialist can explain how the two fit. Oregon does not have an equivalent state program.
What we ask, and what we do with it
The form is short on purpose. Our objective is to warmly transfer you to our trusted partner for Long-Term Care Insurance (the one we personally used).
- Who needs coverage, and each person’s date of birth
- Your demographic location
- Your contact information
- One yes/no health question
- 1Submit your request for Long-Term Care insurance.
- 2You will be sent the official Long-Term Care insurance intake form our trusted partner needs to work with you.
- 3Once you complete it, and with your explicit permission, we will introduce you personally to our Long-Term Care insurance partner.
Your permission comes first. Without that permission, we cannot make the introduction.
Request a conversation
We follow up within 24 hours. If you also need health insurance, say so on the form and we will help with that directly.
General information, not a quote. Whether a policy is available depends on the carrier, your age, your health, and your state.