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Long Term Care Insurance

 

70% of people over the age of 65 can expect to use some form of long-term care during their lives.*  

 

Long-term care (LTC) offers the assistance you may need when you can no longer perform basic, day-to-day tasks like eating, bathing and getting in and out of bed on your own — even if you don't require medical supervision. LTC insurance covers the care you'd need if diagnosed with a chronic medical condition, inability or disorder such as Alzheimer's; these services are not included in your regular health insurance.

It's important for us to discuss this type of insurance now, so that we can protect your savings and give you more choices for care, because once you've already been diagnosed with a condition you won't qualify for long term care insurance. 

 

Don't worry. We'll guide you through the process of finding the best insurance for your needs.

How much does long term care actually cost?

Without long term care insurance, your costs could get extremely expensive.

Here's the average costs for services in Connecticut:

Service

Annual Cost

Rates

Nursing Home: Semi-Private Room

Assisted Living Facility

Home Health Care Aide

Adult Day Care

$157,700

$58,560

$54,912

$22,100

$435 Daily

$160 Daily

$24 Hourly

$85 Daily

And the average costs for services in Massachusetts:

Service

Annual Cost

Rates

Nursing Home: Semi-Private Room

Assisted Living Facility

Home Health Care Aide

Adult Day Care

$149,672

$67,680

$62,920

$17,680

$410 Daily

$185 Daily

$27.50 Hourly

$68 Daily

Once you're covered, we make managing your insurance simple, because we'll be your direct contact for all your future needs, such as making a change to your coverage, getting more information, or filing a claim.

Our carriers

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*"Caregiver Resources & Long-Term Care," U.S. Department of Health and Human Services, Updated 2018.

ABOUT

Connecticut

800 Cottage Grove Rd Bldg 4

Bloomfield, CT 06002

P: (860) 785-4854

F: (844) 273-8775

 

Massachusetts

Northampton, MA 01060

P: (413) 230-6665

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