Individual Long Term Care Insurance
Long-term care insurance is your “what if” plan helping cover future care costs so you’re prepared, not caught off guard.
It’s not just about getting older it’s about being ready. Long-term care insurance helps cover care costs before they derail your future.
🧵 Extended Care Options: Stitching Together a Plan That Fits
What’s your strategy for managing health care in retirement?
If you’re like most people, you haven’t thought much about it yet and that could be a costly mistake.
The problem:
Traditional health insurance (and even Medicare) doesn’t cover long-term care. And as people live longer thanks to medical advances, the chances of needing extended care only go up with price tags that can devastate a retirement budget.
At All Assured Solutions, we help you plan ahead with Long-Term Care Insurance so when life throws the unexpected your way, you’re financially prepared and emotionally grounded.
🔍 What Is Long-Term Care Insurance and Why Does It Matter?
Long-term care insurance helps cover the cost of care when you can no longer care for yourself due to a chronic illness, disability, or age-related condition.
Coverage can include:
In-home caregivers
Assisted living facilities
Nursing home stays
Adult day care
Home modifications (like ramps or medical equipment)
Without it, these services often fall entirely on your savings or your family.
🧾 How Do Long-Term Care Benefits Work?
Policies vary, but most follow one of two models:
Daily/Service-Specific Limits – Set amounts for each type of care.
Pooled Benefits – A total dollar amount to use flexibly across care types.
You’ll want to understand how your policy pays out because knowing what to expect makes all the difference when care is needed.
🛑 Key Details to Watch For:
Does the policy limit where you can receive care? (Some restrict coverage to certain facilities.)
What conditions trigger benefits? (Medical exams or assessments may be required.)
Are pre-existing conditions excluded for a period after the policy starts?
Does it include inflation protection? (The cost of care will rise. Your coverage should, too.)
These are the questions we help you answer so your plan isn’t full of fine-print surprises
💡 Is Long-Term Care Insurance Right for You?
If you qualify for Medicaid or have substantial financial resources, you may not need it. But for everyone else, long-term care insurance offers something priceless: peace of mind when life takes a turn.
✅ Here’s How to Plan for the Future:
Schedule a conversation with our team.
Explore coverage options that fit your needs and budget.
Create a long-term care strategy that protects your future and your family.
👉 Contact All Assured Solutions today to explore your long-term care options and stitch together a plan that fits the life you’ve worked so hard to build.
All Assured Solutions