Long-term Care Insurance
Protect your independence and financial security when you need care
70%
Will need LTC after age 65
2.4yr
Average care duration
$108K
Annual nursing home cost
3%
Medicare LTC coverage
Long-term care refers to services that help people with chronic conditions, disabilities, or aging-related needs perform daily activities. Most people underestimate their risk and the financial impact of needing care.
The Statistics Don't Lie
- • 70% of people over 65 will need some form of long-term care
- • Women need care for an average of 3.7 years, men for 2.2 years
- • 20% of people will need care for more than 5 years
- • The average nursing home cost is $108,405 per year
- • Home care averages $61,776 annually (40 hours/week)
What Triggers the Need for Care?
Common Care Scenarios
Mild Cognitive Decline
Duration: 2-4 years
Typical Care: Home care, adult day programs
$50,000-$150,000Stroke Recovery
Duration: 6 months-2 years
Typical Care: Skilled nursing, rehabilitation
$75,000-$200,000Alzheimer's Disease
Duration: 8-12 years
Typical Care: Memory care, nursing home
$300,000-$500,000Physical Disability
Duration: 3-6 years
Typical Care: Home modifications, assistance
$100,000-$300,000Frequently Asked Questions
Plan for Your Care, Protect Your Legacy
Don't leave your long-term care to chance. A comprehensive plan today can preserve your independence, protect your assets, and give you and your family peace of mind.