LONG-TERM CARE INSURANCE
What It Is
Coverage that helps pay for help with Activities of Daily Living (ADLs) or cognitive impairment — at home, in assisted living, or in a nursing facility.
What It Matters
Medicare generally doesn’t cover custodial long-term care. Without coverage, costs are paid from savings or family support
What it Covers
- Home care, assisted living, nursing home
- Adult day care, care coordination, caregiver training
- Limited home modifications
Benefit Triggers
Benefits typically start when you can’t perform two or more ADLs or have a qualifying cognitive impairment.
Flexability
- Traditional LTC policies
- Hybrid life/LTC policies
- Inflation protection riders
- Cash benefit options
When to Buy
Approval odds and premiums are better when you apply while healthy.
Plan for Care on Your Term
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Get in Touch
CONTACT FORTUNATA AGENCY
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We do not offer every plan available in your area. Currently we represent [X] organizations which offer [Y] products. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Fortunata Agency is not affiliated with or endorsed by the federal government, Medicare, or the Centers for Medicare & Medicaid Services.