LONG TERM CARE

Long Term Care provides comprehensive care and support for individuals who need assistance with activities of daily living, such as bathing, eating, dressing, and managing medications. Our team of experienced professionals is dedicated to providing quality care in a compassionate and respectful environment. We offer a range of services to meet the unique needs of each individual, including skilled nursing, physical therapy, occupational therapy, and speech-language therapy.

Long-term care insurance is a type of insurance that helps cover the costs of long-term care services, such as nursing home care, in-home care, and assisted living facilities. There are several types of long-term care insurance products available in the market.

Some of the most common types include:

Traditional long-term care insurance: This is a standalone long-term care insurance policy that provides coverage for long-term care services. The policy will pay a daily or monthly benefit for a set period of time.
Hybrid long-term care insurance: This is a type of life insurance policy that also includes a long-term care insurance component. If you need long-term care services, you can access a portion of the death benefit to pay for those services.
Life insurance with long-term care rider: This is a life insurance policy that includes a rider that allows you to access a portion of the death benefit to pay for long-term care services.
Short-term care insurance: This is a type of insurance that provides coverage for short-term care needs, typically for a period of up to 12 months. This can be used to bridge the gap between traditional health insurance and long-term care insurance.
Group long-term care insurance: This is a type of long-term care insurance policy that is offered through an employer or association. These policies typically have lower premiums than individual policies.
Partnership long-term care insurance: This is a type of long-term care insurance policy that is designed to help protect your assets if you need long-term care services. If you exhaust your long-term care insurance benefits, you may be eligible for Medicaid coverage while still being able to keep a portion of your assets.
State long-term care insurance: Some states offer long-term care insurance policies to their residents. These policies may be available at a lower cost than traditional policies, but the coverage may be more limited.