INSURANCE SERVICES
Plan Now.
Protect More Later.
Long-term care insurance helps you afford the support you may need later in life—without draining your retirement or burdening your family.
What’s We Cover
Flexible Coverage for Aging & Care Needs
These policies help cover the costs of care services that health insurance and Medicare often don’t—whether in a facility or in your home.
Nursing Home & Assisted Living Care
Coverage for daily room, board, and personal care expenses in a licensed care facility.
In-Home Health Services
Pays for caregivers, home health aides, and medical services provided in your residence.
Benefit Structures & Options
Customize your coverage with daily benefit limits, benefit periods, inflation protection, and elimination periods.
Hybrid Life + Long-Term Care Plans
Combine life insurance with a long-term care rider—so your coverage pays out no matter what happens.
Why It Matters
The Sooner You Plan, The More You Protect
Long-term care is expensive—and health insurance doesn’t cover it. We help you:
- Shield your retirement savings from care costs
- Reduce the financial burden on your family
- Get better rates when you plan early
Frequently Asked Questions
Long-Term Care Insurance in PA
When should I buy long-term care insurance?
Typically between ages 50–65. The earlier you enroll, the lower your premiums and the more coverage options you have.
Does Medicare cover nursing homes?
Only for short-term rehab. Long-term stays and non-medical assistance are not covered by Medicare.
Can I use this insurance for care at home?
Yes—most plans cover in-home assistance and allow you to receive care without moving into a facility.
What’s a benefit period?
It’s how long your coverage lasts once you begin using it. We help you choose a period based on budget and likely needs.
What’s the difference between standalone and hybrid policies?
Standalone LTC policies focus purely on care. Hybrid policies combine life insurance with care benefits, so something always pays out.