Long-term care insurance is designed to cover long-term services and supports, including personal and custodial care, for those who are unable to care for themselves. These services may take place in a variety of settings such as your home, a community organization, or care facility. Long-term care policies pay a daily amount to policyholders up to a pre-selected limit for services to assist with activities of daily living such as bathing, dressing, eating, etc. The main factors that affect the cost of your long-term care policy are:

• Your age at date of purchase of the policy
• The maximum amount selected for the policy to pay per day
• The maximum number of days/years that a policy will pay
• Any optional benefits that you choose such as automatic inflation increase
We can assist you in designing a long-term care plan that is right for you.