Individual Long-Term Care

It’s nice to have support throughout every stage of life. Long-term care helps ensure you’re covered when you need a little extra assistance getting through the day, such as to bathe or get dressed, due to an accident, illness or age.

And if we’re being honest with ourselves, the likelihood is, eventually, we will need long-term assistance or a family member will. Most long-term care expenses are not covered by Social Security or Medicare, Medicare Supplement (“Medigap”), or private health insurance. And although Medicaid pays for nearly half of all nursing home care, you have to meet federal poverty guidelines and may have to “spend down” most of your assets on health care.

We’re here to help you get through it and ensure you have the best long-term care for your needs (and at the best possible rate).