Long-Term Care Insurance
Long-term care is the help people need with everyday activities — bathing, dressing, eating, moving around — after an illness, an injury, or simply with age. Health insurance and Medicare generally don't pay for that kind of ongoing care, so unless someone qualifies for Medicaid, the cost usually falls on savings or family. Long-term care insurance is one way to plan for it, and a licensed advisor can walk you through how the options differ.
Long-Term Care quote
Compare your coverage options.
This quoting tool belongs to our independent quoting partner and is not an EnsuranceMax form. It opens on its own starting screen, and you can choose Long-Term Care coverage from the options it offers. Prefer a person? Talk to an advisor instead.
Anything this quoter shows is a non-binding estimate until an insurance company completes underwriting.
Coverage that actually covers.
- Depending on the policy, in-home care, adult day care, assisted living, and nursing home care
- A daily or monthly benefit amount you choose
- A benefit period and waiting (elimination) period you choose
- Optional inflation protection
- Traditional long-term care or a hybrid life insurance policy with long-term care benefits
In-home care
Help from a caregiver at home, so you can stay where you're comfortable.
Assisted living
Support in a residential community when living alone is no longer practical.
Nursing home care
Skilled or custodial care in a licensed facility.
Hybrid life + LTC
A life insurance policy whose death benefit can be used toward long-term care costs, if care is needed.
Answers, in plain English.
- Doesn't health insurance or Medicare cover this?
- Generally not for ongoing custodial care. Medicare may cover a limited skilled-nursing stay after a hospitalization, but help with daily activities over months or years is usually paid out of pocket, unless you have long-term care coverage or qualify for Medicaid, which has strict income and asset rules that vary by state.
- When should I start looking at it?
- Many people start comparing options in their 50s. Eligibility and pricing depend on your age and health when you apply, so it is worth understanding your options before you need care.
- What's the difference between traditional and hybrid policies?
- A traditional policy is dedicated to long-term care. A hybrid combines life insurance with long-term care benefits, so the policy can still pay a death benefit if care is never needed, and any long-term care benefits used generally reduce the death benefit. Your advisor can explain the trade-offs for your situation.
- Is a quote the final price?
- No. Any figure you see is a non-binding estimate. The final premium and approval are set by the insurance company after underwriting.
Ready to secure your Long-Term Care?
EnsuranceMax LLC is a licensed insurance agency (NPN 14306621) authorized to operate in (MD), (VA), (DC), (OH), (NC), & (PA). This material is not intended as medical or financial advice. Consult a qualified professional regarding your specific situation.