Long Term Care Insurance

Many people mistakenly think their health insurance or Medicare will pay for any long-term care services they may need at some point. But health insurance really only pays for doctor and hospital bills. If you develop a chronic illness or become disabled and are unable to care for yourself for an extended period of time, you’ll need long-term care services. And these services aren’t cheap.

 Full-time nursing home care averages $69,000 to $78,000 per year or 8 hours per day of home health care can cost $43,000 to $70,000 annually.

Explore this section to learn more about who needs long-term care insurance, what types of care are covered, policy options and features, and where and when to buy it. There’s also an interactive map to help you get a sense of what long-term care services cost in your area.

 

 

 

Kiplinger's educational video    

"A No-Nonsense Look at Long-Term Care and How to Pay for It" Sponsored by John Hancock and produced by Kiplinger's, this video provides an overview of long-term care and how long-term care insurance can help.

 

 

Watch video here

Short Term Care


Lifestyle Solutions      

Lifestyle Solutions Select



 

LifeStyle Solutions Select Long Term Care Insurance plan is for those individuals with extended health conditions.  This innovate product expands our underwriting guidelines and offers individuals who have previously been or who would otherwise be turned down for long term care insurance the opportunity to obtain coverage.  In addition to a tax-qualified long term care insurance plan, LifeStyle Solutions Select also offers the same unique network of integrated Wellness, Homeworks and Care Planning Service Programs has LifeStyle Solution. 

 

To see if you qualify or request more info

 

 

                  Are You and the Members of Your Family Covered? 
   
  Most American families need to consider long term care insurance, because sooner or later, many of us will need extended care not covered by regular health insurance. Do you plan to live beyond 65? If so, reflect on this: According to the U.S. Department of Health and Human Services, "At least 70 percent of people over age 65 will require some long-term care services at some point in their lives." That's about three in every four of us! (National Clearinghouse for Long-Term Care Information*)

This means health-reform legislation will have a BIG HOLE IN IT if it doesn't provide incentives to make LONG TERM CARE INSURANCE affordable for everyone!

Many people think they're already covered for long-term care, when they're not. According to the U.S. Department of Health and Human Services, "Contrary to what many people believe, Medicare and private health insurance programs do not pay for the majority of long-term care services that most people need -- help with personal care such as dressing or using the bathroom independently." (National Clearinghouse for Long-Term Care Information*)
If you don't have a long-term care insurance policy, you may be at risk!
 

Support Long Term Care For All Americans:
 
  • Tax rebates or deductions to make LTC insurance more affordable
  • Medicaid reform to stop abuse and ensure public aid for the truly needy
   
   

For more information, please contact our Long Term Care insurance specialist.

CMS funding changes hit nursing homes

 October 7, 2011

 

Skilled nursing facilities will depend on private-pay patients more than before now that a regulation cutting Medicare skilled nursing care funding has taken effect.

The Alliance for Quality Nursing Home Care (AQNHC), Washington, a coalition of groups that represent nursing homes and rehabilitation centers, has been mounting a media campaign to try to draw attention to the impact the cuts have had on member facilities.