Long-Term Care Insurance

Coverage for Extended Care Needs

Long-term care insurance that helps cover the costs of nursing homes, assisted living, and in-home care services.

The Problem

Health insurance doesn’t cover everything. If employees develop a disability, degenerative condition, or simply need help with daily activities, the cost of long-term care services like home care, nursing homes, or respite care can be overwhelming. This gap leaves employees and their families financially vulnerable.

The Plan

Offering Long-Term Care Insurance (LTCI) as part of your benefits package helps employees plan ahead and gives your business a competitive edge.

Key Features of Long-Term Care Insurance

  • Covers services not included in health insurance (home care, nursing homes, respite care, daycare).

  • Helps employees and families protect assets instead of relying on Medicaid.

  • Flexible plans tailored to meet employee and employer budgets.

  • Provides peace of mind and financial security for the future.

Why It Matters for Employers

Adding LTCI to your benefits package helps you:

  • Recruit and retain top talent with a more complete benefits offering.

  • Support employee well-being, reducing stress and boosting productivity.

  • Contain costs by offering part-funded or shared coverage options.

  • Stand out as a company that invests in employees’ long-term security.

How It Works

  1. Employer offers LTCI as part of benefits.

  2. Employees choose coverage options based on their needs.

  3. Premiums vary depending on factors like age, health, marital status, and coverage level.

  4. Coverage helps pay for specialized care services when employees face health challenges.

The Result

With Long-Term Care Insurance:

  • Employees gain security knowing they’re covered for life’s uncertainties.

  • Families are protected from the high costs of long-term care.

  • Employers strengthen loyalty and reduce turnover with meaningful benefits.

  • Everyone benefits from planning ahead.

Interested in offering Long-Term Care Insurance to your team?

Contact us today to explore the best coverage options for your business.

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