Individual Long-Term Care Insurance
Long-term care insurance helps pay for qualifying extended care when the policy’s benefit triggers are met. It addresses a different need from routine medical treatment or short recovery care.
Review the care you may need
Compare eligible home care, assisted living and facility care under the contract. Ask how assistance needs or cognitive impairment are evaluated and which providers and settings qualify.
Understand the benefit design
Review the waiting period, benefit amount, benefit duration and any inflation protection. Premium affordability matters both today and over time; compare the policy with your other caregiving resources.
Bring your existing protection
Gather current policies, financial priorities and questions about family caregiving. We help you identify the information needed for a carrier review and explain the limitations before selecting a solution.
Put the coverage in context
All Assured Solutions is a veteran-owned independent insurance and risk management agency serving the Mid-Atlantic. We begin with your needs, explain the available choices and help identify gaps between your existing protection and the responsibilities ahead.
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Questions for a long-term care review
Ask how benefit triggers are assessed, when the elimination period starts and which home-care providers or facilities qualify. Compare benefits with family caregiving capacity and what premium you could afford over time.
Does a medical policy replace long-term care coverage?
Compare the contracts separately. Routine medical treatment and qualifying extended personal care address different expenses; do not assume one policy pays for both.
Start with a clearer view of your risk
Bring your questions and current documents. We will help you understand the next steps.
Start Your Risk Assessment