Most people will need some kind of long-term care, whether that means in home help, assisted living, or nursing care. Health insurance and Medicare do not cover it, which is why planning ahead matters. We help you put the right coverage in place now, while options are still affordable, so your savings and your family stay protected.
Help with daily activities like bathing, dressing, meals, and medications, provided in your own home so you can stay where you are most comfortable. The most common kind of long-term care.
Residential communities where you have your own apartment and staff help with meals, medications, and personal care. Typically the right step when independent living becomes too much.
Round the clock skilled nursing care for serious medical needs. The most intensive and most expensive setting, and the one most policies are designed to help cover.
A short conversation to understand who you want to protect, what your retirement savings look like, and the kind of care you would want if you ever needed it.
We shop multiple top rated carriers and walk you through traditional long term care policies as well as hybrid policies that combine life insurance with long term care benefits.
We walk you through the application, coordinate any required underwriting, and stay your point of contact for the life of the policy.
Medicare only covers short rehabilitation stays after a hospitalization, up to 100 days with strict rules, and does not cover the extended long-term care most people end up needing. Medicaid will cover it, but only after you have spent down most of your assets, which usually means losing the legacy you have worked hard to build.
The sweet spot is typically your mid 50s to early 60s. Premiums are still affordable, you are likely still healthy enough to qualify, and you have decades for the need to develop. Waiting longer often means higher premiums or being denied coverage entirely.
A growing alternative worth considering. These combine permanent life insurance with a long-term care rider. If you ever need care, the policy pays for it. If you never do, your beneficiary receives a death benefit, so your premiums are not lost. They are also often easier to underwrite than stand alone long-term care policies.
In Texas, in home care averages around $4,500 to $5,500 per month. Assisted living runs similar. Nursing home care can exceed $8,000 per month. A multi year care event can easily exceed $300,000 out of pocket without insurance, which is why planning ahead matters so much.
Our help is always free to you. Carriers pay us a standard commission when you enroll, the same amount whether you go through us or call them directly, so you get expert guidance at no additional cost.
When you call, you reach a licensed agent who already knows your file and has the time to help, the same business day, every time.