A+ Senior Insurance Group is an independent contractor with more than 25 years of experience in the whole life insurance industry. We have professional connections that give us access to the best coverage at affordable premiums.


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Long Term Care Insurance

What is Long Term Care Insurance?

Long-term care (LTC) insurance is an insurance product that helps provide for the cost of long-term care beyond a predetermined period. LTC insurance covers care generally not covered by health insurance, Medicare, or Medicaid. Almost 70% of people turning age 65 will need long-term care at some point in their lives. However, age is not a determining factor in needing long-term care.

Long-term care usually means supervision or assistance with everyday tasks like bathing and dressing and does not require a licensed person to provide those services. Some of these elder care insurance policies only pay for care in institutional settings such as a nursing home or an assisted living facility, while some only pay for home care. However, there are more comprehensive policies like nursing home insurance, which pays for care in a nursing home, assisted living facility, at home, or in community settings like adult day care.

We are Always Ready to Assist You

We Make Make Medicare Easy!

A few things to take into account when considering Long Term Care:

  • Medicare only pays for long-term care if you require skilled services or rehabilitative care and Medicare does not pay for non-skilled assistance with Activities of Daily Living (ADL), which make up the majority of long-term care services.
  • There are many different ways to receive care and many different settings in which to receive it.
  • Where you live matters – your ability to stay at home may depend on the layout of your home, especially the bathrooms.
  • Planning for long-term care can protect your family from the financial impact of paying for care and the emotional impact of making decisions for you.
  • By taking an inventory of your resources, you can determine how you will pay for services and who you can count on to assist. Options exist for pre-funding the care you need such as insurance or savings.

Who Needs Long Term Care?

The older you are, the more likely you are to need Long Term Care. On average, women outlive men by 5 years so they may be more likely to live at home alone when they are older. Furthermore, if you have or your family has a history of chronic conditions such as diabetes or high blood pressure you may be more likely to need a Long Term Care insurance policy.

Who Will Provide Your Care?

A caregiver can be your family member, partner, friend or neighbor who helps care for you while you live at home. About 80 percent of care at home is provided by unpaid caregivers and may include an array of emotional, financial, nursing, social, homemaking, and other services. On average, caregivers spend 20 hours a week giving care. More than half (58 percent) have intensive caregiving responsibilities that may include assisting with a personal care activity, such as bathing or feeding.

Place Your Insurance Needs in Our Hands

Regardless of the type of long term care insurance coverage you are seeking, A+ Senior Insurance will work with you to find the right fit for your financial means and needs. Our team is available to assist you! Call (210) 374-3919 or submit our online contact form to reach out to us today.

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