🏥Long-Term Care Insurance

Protect your independence and assets with comprehensive long-term care insurance. Coverage for in-home care, nursing homes, and asset preservation for peace of mind.

Up to $400/dayDaily Benefit Options

30–180 daysElimination Periods

1–6 yearsBenefit Periods

Long-Term Care Coverage Types

Choose the coverage that matches your care goals, budget, and family plan

Traditional LTC Insurance

Benefit-focused custom premiums

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Pure long-term care coverage that pays a daily or monthly benefit for qualified care at home, in assisted living, or in a nursing facility.

Choose daily/monthly benefit amount
Select 1–6 year benefit period
Pick elimination period (30–180 days)
Optional inflation protection (3%–5% compound)
Shared care and return-of-premium riders available

Best for: Maximum care value with flexible benefits

Popular

Hybrid Life + LTC

Asset-based with guarantees

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Combines permanent life insurance with long-term care benefits so your money provides value whether you need care or not.

Use for care, leave to heirs, or both
Premiums often guaranteed
Lump-sum or pay-over-time options
Inflation riders available
Cash value and death benefit

Best for: People wanting guarantees and legacy planning

Short-Term Care

Lower-cost limited duration

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More affordable coverage that helps with the first months of care, often easier to qualify for than traditional LTC.

Benefit periods up to 12 months
Home health and facility care options
Flexible elimination periods
May accept certain health conditions
Can complement existing savings

Best for: Budget-conscious or those needing lighter coverage

Long-Term Care FAQ

Clear answers to common long-term care questions

What is long-term care?

Help with everyday activities like bathing, dressing, and eating. It can be provided at home, in assisted living, or in a nursing facility.

Who needs long-term care coverage?

Most people who live a long life will need some care. Planning ahead helps protect savings and gives you more choices for where and how you receive care.

When should I buy?

Many people explore coverage in their 50s or early 60s while they are healthy and premiums are more affordable.

What does it cover?

Care at home, adult day care, assisted living, memory care, and nursing facilities when you meet benefit triggers (like help needed with 2+ ADLs).

What is an elimination period?

It's the waiting period before benefits begin (like a deductible in time). Common options are 30, 60, 90, or 180 days.

How does inflation protection work?

An optional rider that increases your benefits each year (like 3% or 5% compound) so your coverage grows with care costs.

Ready to Plan for Long-Term Care?

Our licensed specialists will help you design a plan that fits your goals and budget, and explain options in plain language.

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Personalized plan design

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Carrier and option comparisons

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Medicaid coordination guidance

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Claims and policy support

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Call or Text for Immediate Help

(801) 850-0872
8AM-6PM M-F

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Email Us

ltc@theinsurancebox.com
Get a response within 2 hours