Learn how Long-Term Care coverage provides the safety net everyone needs but few prepare for. As we age and face unexpected medical events, the challenges can feel overwhelming without proper coverage. Long-Term Care insurance ensures you have access to the care you need, easing the financial and emotional burden on your loved ones.
Those closest to us often feel compelled to help during our most vulnerable moments, but this can drain their time and resources. Long-Term Care isn't just about protecting yourself—it's about giving your family peace of mind, too.
Without Long-Term Care insurance, you risk depleting your savings or relying on family members for costly caregiving. Studies show that the average cost of long-term care can exceed $100,000 annually. Don't leave your family unprepared or unprotected.
Long-Term Care refers to a range of services that help meet personal care needs over an extended period. This can include help with daily activities like bathing, dressing, and eating, as well as skilled medical care.
Everyone is at risk of needing long-term care. About 70% of people over 65 will require some type of long-term care services during their lifetime.
Long-Term Care insurance helps cover the costs of care, ensuring you have access to the services you need without exhausting your savings or burdening your family.
Without coverage, you may face significant out-of-pocket costs or rely on family members to provide care. This can create emotional and financial strain for everyone involved.
Take the first step towards protecting your assets
Coverage options, features, and benefits may vary by state and insurance carrier. Please refer to your specific policy for detailed information. Long-Term Care Insurance premiums, terms, and benefits are subject to underwriting approval. Insurance policies are not guaranteed to be issued, and rates may vary based on factors such as age, health, and state of residence. For personalized advice or quotes, please contact us directly. Policy specifics, including costs and eligibility, will be provided upon request after consultation. The average costs mentioned are estimates and may not reflect the actual cost of long-term care services in your area. Costs are subject to change based on location, inflation, and other market conditions. Long-Term Care Insurance policies require medical underwriting. Not all applicants may qualify for coverage. Pre-existing conditions may affect eligibility or result in higher premiums. Some states offer Long-Term Care Partnership Programs, which may allow policyholders to protect assets if they need to apply for Medicaid. Contact your state's Medicaid office for more information. Information provided through this site is handled in accordance with our Privacy Policy. We do not sell or share your personal information without your consent. Submitting an application or receiving a quote does not guarantee approval for coverage. Approval is subject to the insurer's underwriting guidelines. All policies are subject to the terms, conditions, and exclusions specified by the issuing insurer. Refer to your policy documents for full details. Any references to an insurer's financial strength are based on publicly available ratings and are not a guarantee of future performance. This site is operated by a licensed life and health insurance agent authorized to conduct business in Kentucky. Services and products may not be available in all states. Insurance quotes displayed on this site are for illustrative purposes only. Actual premiums, terms, and coverage amounts will vary based on the underwriting process and provider terms. Insurance policies are regulated by state law and subject to the terms and conditions of the issuing insurer. Please consult a licensed agent in your state for specific details. For personalized advice or quotes, please contact us directly. Policy specifics, including costs and eligibility, will be provided upon request after consultation. This site may contain links to third-party websites or services. We are not responsible for the accuracy or practices of these providers. Always verify terms directly with the provider. For personalized advice or quotes, please contact us directly. Policy specifics, including costs and eligibility, will be provided upon request after connecting with us. By submitting your information, you consent to be contacted by a licensed insurance agent/representative. Personal information provided on this site will be used to provide quotes and services as requested. Please review our Privacy Policy for details. Hurstbourne Insurance and Financial LLC may receive compensation from insurance providers for policies sold. This does not influence the recommendations provided to you. This site is intended to be accessible to all users. If you encounter any difficulties accessing the content, please contact us at contact@hurstbournewealthmanagement.com. We do not provide tax or legal advice. Consult with a qualified professional for information on how life insurance may affect your taxes or estate planning. The content on this website is for informational/educational purposes only and should not be considered as personalized legal, financial, or insurance advice. While we strive to provide accurate information, we are not responsible for errors, omissions, or inaccuracies. Use the information at your own risk.
