Long-term care is a type of care for chronic conditions not covered by health insurance and can be very expensive. It is meant to support an individual who requires assistance with activities of daily living over an extended period of time. Long-term care insurance offers coverage that provides skilled nursing, intermediate care or custodial care for a patient (generally over age 65) in a nursing facility or his or her residence following an injury or as a result of poor health.

The predominant reasons for long-term care insurance are to help preserve wealth, protect against rising costs of long-term care, and cover costs that Medicare will not cover. We can review your situation and help you decide if long-term care insurance is appropriate for you.