Long Term Care Insurance

Long Term Care Insurance

Long term care insurance is a benefit that extends beyond the working years to protect families against the emotional, social, and financial toll exacted by a family member who may have a long term care need, such as home care, assisted living, hospice care, nursing home or Alzheimer's care facilities. LTCI usually covers care generally not covered by health insurance, Medicare or Medicaid.

The premiums on current plans are affordable, and purchasing while younger will not only cover the impairments of an aging family member, but help cover the needs in the event of a serious accident, severe injury, or a catastrophic illness.

Offering a long term care insurance plan to your employees can help them continue working at full capacity if they are trying to handle the needs of a spouse, parent or other family member.