These plans are designed to protect against the cost of long-term medical care. Most people work a lifetime to build and accumulate assets only to have them depleted because they must pay for extended care that health insurance and Medicare policies do not cover. A Long Term Care policy would cover costs for in home, assisted living or nursing home care.

 

Costs for these types of products are dependent upon age, health and plan design. The plan design factors include daily benefits to be paid, years of benefits, and whether a spouse is also going to be covered. All of the above factors can be adjusted to make premiums affordable but to still offer coverage. We work with few carriers on this product with John Hancock being the number one carrier on the market. Therefore, most clients choose this carrier. This is an underwritten product and can be declined.

 

This product is available for individuals and corporate groups.