Protect your savings and ensure access to quality care as you age with comprehensive long-term care insurance in California.
As we age, the need for long-term care services becomes a significant concern for many families. Long-term care insurance helps cover the costs of services that assist with daily living activities, such as bathing, dressing, eating, and mobility, whether at home, in an assisted living facility, or a nursing home.
The cost of long-term care in California is among the highest in the nation. Without proper planning, these expenses can quickly deplete your life savings and place a substantial financial burden on your family. Long-term care insurance provides a financial safety net, protecting your assets and ensuring you receive the care you need without compromising your financial independence.
Our experienced agents specialize in long-term care planning and can help you navigate the complexities of different policy options. We work with you to assess your potential future care needs, understand your financial goals, and design a customized long-term care insurance plan that provides peace of mind for you and your loved ones.
Medicare and standard health insurance policies typically do not cover long-term care services. Medicaid (Medi-Cal in California) only covers long-term care for those with very limited assets. This leaves a significant gap in coverage for most individuals, making private long-term care insurance a critical component of a comprehensive financial plan.
Comprehensive coverage for a range of care settings
Covers services provided in your home, including skilled nursing care, physical therapy, and assistance with daily activities.
Covers care in facilities that provide housing, meals, personal care, and some health services for those who need assistance but not full nursing home care.
Covers skilled nursing care and rehabilitation services in a licensed nursing facility for individuals who require 24-hour supervision and medical assistance.
Covers services provided in a supervised setting during the day for adults who need assistance or supervision while family caregivers are at work.
Many policies include a care coordinator who helps you navigate the long-term care system, assess needs, and arrange for services.
Provides temporary relief for family caregivers, allowing them to take a break while a professional caregiver steps in.
Understanding the components of your long-term care policy
The maximum amount the policy will pay for care services each day, typically ranging from $50 to $300 or more
The maximum length of time the policy will pay benefits, usually 2 to 5 years, or even lifetime coverage
The waiting period (e.g., 30, 60, 90 days) after care begins before the policy starts paying benefits. Longer periods mean lower premiums
An optional rider that increases your daily benefit amount over time to keep pace with rising healthcare costs
For couples, allows one spouse to use the other spouse's unused benefits if they exhaust their own, maximizing coverage
Protects a portion of your benefits if you stop paying premiums after a certain period, providing some return on your investment
Consider long-term care insurance if you:
Concerned about long-term care costs depleting your retirement savings or assets
Wish to avoid placing the financial and emotional burden of caregiving on your loved ones
Have a family history of chronic illness or conditions that may require long-term care
Don't leave your long-term care needs to chance. Get a free quote and secure your financial future.