Secure A Quote
Agent Login

Contact Us

866.299.7962  Visit us on facebook Follow us on Twitter
Free Quotes

Learning Center

News

Glossary

About Us

Contact Us

Agents and Brokers

In this Section

Health Insurance


Life Insurance


Auto Insurance


Long Term Care


Medicare Supplement


Long term care covers you when you need it most. Find out how you can protect yourself and your family and maximize your independence.
Get Started

Long Term Care
  What is Long Term Care Insurance?
  When Should I Get Long Term Care Insurance?
  What Does Long Term Care Insurance Cover?
  How Do I Qualify for Long Term Care Insurance Benefits?
  Why Do You Need Long Term Care Insurance?
  Who Can I Talk To About Long Term Care Insurance?

What is Long Term Care Insurance?
Long term care insurance is an insurance policy that covers the cost of long term care, such as assisted living communities, home care, adult daycare, hospice, nursing home care, and Alzheimerís facilities. Long term care insurance covers care that generally is not covered by health insurance, Medicare, or Medicaid. Your age is not a determining requirement for needing long term care. People who need long term care are unable to carry out the basic activities of daily living, such as bathing, eating, dressing, going to the bathroom, not able to get in and out of bed, dressing, and walking.

  Top of Page

When Should I Get Long Term Care Insurance?
Itís best to get long term care insurance when you are young and healthy. Long term care insurance premiums are higher in price as you get older. Once you buy a policy your premiums do not rise due to your health or age.

  Top of Page

What Does Long Term Care Insurance Cover?
Before buying long term care insurance you should know which facilities and services are covered under your policy. Long term care insurance typically covers assistance with daily living activities like bathing, toileting, dressing, eating, and getting in and out of bed.

Here is a list of services a Long term insurance policy should cover:

  • Home Health care: which includes skilled or custodial care at your home by a licensed home health agency or caregiver. This coverage should include part-time nursing care, assistance with daily living activities, and physical therapy.
  • Licensed Nursing Home Services
  • Licensed Assisted Living Community
  • Adult Day Care Service
  • Respite Care: Care provided when primary caregiver takes time off
  • Recovery Period Benefits: Hospital stay or care at other facility
  • Home Assistant Service: Help with day to day chores like cleaning, housekeeping, cooking, and shopping.
  • Some policies will pay for training if you have someone in mind who you want to take care of you but needs education.

  Top of Page

How Do I Qualify for Long Term Care Insurance Benefits?
Once you canít perform or need help with your activities of daily living, you are probably eligible for your benefits to start. These activities include bathing, toileting, dressing, eating, transferring, and continence. You will also need your doctor to certify your need for long term care. You will need to read your long term care policy to get the details on how you qualify for your benefits. Most policies today do not require you to be hospitalized before your benefits start. However, Medicare still requires three days of hospital stay to be eligible for Medicare payment of a skilled nursing facility benefits.

  Top of Page

Why Do You Need Long Term Care Insurance?
The main reasons you need long term care insurance are to avoid physical and financial dependence on family or friends, have a choice of where and how to get care, protect your assets, and give you peace of mind that you will be given high quality care.

  Top of Page

Who Can I Talk To About Long Term Care Insurance?
At Secure A Quote, we will refer you to a local licensed long term care insurance agent. We have one of the largest networks of agents in the country.

Click here for a free no obligation quote.

  Top of Page

Home | Learning Center | News | Glossary | About Us | Contact Us | Agents & Brokers | Affiliates

Terms & Conditions | Privacy Policy | Unsubscribe
Copyright © 2005 - 2017 Secure A Quote, LLC, All rights reserved.