Long-Term Care Insurance
What Is Long-Term Care (LTC)?
Long-term care covers help with everyday activities when someone can’t fully care for themselves due to aging, illness, injury, or cognitive decline. It’s not medical treatment — it’s custodial care.
Examples of LTC needs:
-
Help bathing, dressing, eating, transferring
-
Supervision for dementia or Alzheimer’s
Big misconception: Medicare does NOT cover long-term custodial care.
Where Long-Term Care Is Provided LTC can be provided at home (most common and preferred), adult day care, assisted living facilities, memory care units, or skilled nursing facilities (nursing homes).
-
Out of Pocket: Average LTC costs exceed $80,000-$100,000+ per year.
-
Medicaid: Only after spending down assets with strict income limits.
-
LTC Insurance: Traditional policies, Hybrid Life+LTC, or Annuity+LTC options available.
Medicare only covers short-term skilled nursing or rehab after a qualifying hospital stay. Once care becomes custodial, Medicare stops paying.
At Seniors Insurance Hub, we believe your health coverage should come with financial predictability. That’s why we specialize in Medicare Advantage Prescription Drug (MAPD) plans. These “all-in-one” plans replace open-ended costs with fixed, manageable copays, so you always know what to expect.
