Long-Term Care Insurance

Long-Term Care Insurance can help protect you and your loved ones in the event that extended health care is needed. Long-Term Care Insurance can provide funds to help cover:

  • Daily activities such as bathing, eating, and dressing.
  • Skilled nursing care or rehabilitation training either in a nursing facility or at home.
  • Cognitive impairment such as Alzheimer's Disease.

Misconceptions about long-term care expenses:

  • Many people are under the impression that Medicare, Medicaid, or their health insurance will pay their long-term care costs. Medicare has eligibility requirements for skilled nursing care and is only for a limited time period.
  • Medicaid will not cover long-term health care costs for the average recipient.
  • Health insurance and medical supplements do not cover nursing home care.
  • Individuals and families through their savings, assets, and cash can afford long-term care costs. 

Our Long-Term Care Insurance options include:

  • NY State Partnership Plans
  • Traditional Plans
  • Single Premium Plans
  • Long-Term Care with Life Insurance
  • Life Insurance with Long-Term Care 

For more information or to obtain a free, no-obligation quote please call our team at 518-786-9905 or 888-250-6689 (toll free).