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Welcome to LTC.com – The premier Long Term Care insurance information center. We are here to help simplify the process of understanding Long Term Care, and help you decide if Long Term Care insurance is right for you.

What is Long Term Care?

Long Term Care is assistance for people needing help with everyday activities. This assistance is usually needed because of an accident, prolonged illness, or the aging process. This care can be provided in the home, Assisted Living Facilities, Nursing Homes, or other similar facilities. The assistance provided typically includes help with bathing, dressing, cooking, cleaning, toileting and transferring.

Why Long Term Care Insurance?

Providing Choices:

Long Term Care services can typically cost between $20,000 to $100,000 per year depending upon what type of care you need and where you receive that care. Long Term Care insurance helps cover these costs and allows you to choose both where you receive your care and the quality of your care. Most care is received in the home, while the rest is provided in Assisted Living Facilities, Nursing Homes, and other similar facilities.

Preserving Assets:

Most of us share certain goals for our retirement years: security, independence, choices, and control. Achieving these goals is dependent upon building and protecting your retirement income and investments. Long Term Care insurance will protect you from being forced to spend your own finances to provide care for yourself, your spouse, or a loved one.

Protecting Families:

If you lack the resources needed to pay for care, you will have to rely on family members to care for you. Long Term Care insurance protects your family from the burden of daily caregiving, the financial burden of paying for care, and the emotional burden of dealing with the whole process.

How much does Long Term Care Insurance Cost?

The price of a Long Term Care Insurance policy is different for every person because it is based on your age and health at the time you apply for coverage. Benefits are very flexible and can be designed to fit your needs and budget. The best way to find out how much Long Term Care insurance will cost for you is to get a rate comparison from the top rated insurance companies to see who will offer you the best coverage at the most affordable price.

 

Latest LTC Blog Posts

  • You may have heard that the federal government is encouraging Americans to purchase Long Term Care policies. One way they have done this is to give certain Long Term Care polices attractive tax advantages

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  • Companies generally pay benefits one of two ways: the expense-incurred method or the indemnity method. It’s important to read your policy information and compare the benefits and premiums.

    Read More
  • This is a critical part of getting the right Long Term Care policy. A good agent will not only know about the different companies and their policies, he or she will also assess your individual needs, answer all your questions, and provide ongoing ser...
    Read More

Our Mission

We are committed to helping you become an informed consumer.

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If you are interested in purchasing Long Term Care Insurance, we will connect you with a licensed Long Term Care Agent who will answer your questions, assess your needs and offer advice in an understandable manner. Our goal is to make sure you get the right policy at the best price and make planning for your Long Term Care needs an easy and enjoyable process..

More Info...

LTC.com 5000 Quorum Drive, Suite 560, Dallas, TX 75254             tel: 800-432-0091 fax: 972-404-9223
 

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