Long Term Care Insurance

Preparing for future needs.

Long term care insurance helps to cover the cost of help with daily living.

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Long Term Care Options

There are three main options when it comes to long-term care coverage.

  • Traditional long-term care insurance: Also known as standalone long-term care insurance, traditional policies exclusively cover long-term care expenses in your home or a facility.
  • Hybrid long-term care insurance: Also known as linked benefits or combo policies pair long-term care with life insurance or an annuity. A hybrid policy provides coverage for both extended care in your home or a facility along with a death benefit. If you never need long-term care, your loved ones would benefit from a life insurance payout after you pass away. Hybrid policies have become increasingly popular in recent years.
  • Life insurance with a long-term care rider: Some life insurance policies let you add on additional coverage for long-term care via a rider. A long-term care rider lets you use some of the life insurance policy’s death benefit to pay for long-term care needs while you’re still alive.

Long Term Care

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