Long-term Care Insurance

What is Long‐Term Care?

Long–term care is the kind of care needed by persons requiring assistance or supervision with the everyday activities of daily living due to physical or cognitive impairments or for persons needing medically necessary care for an acute or chronic condition.  Care can be provided at home, an adult day care center, an assisted living facility or nursing home.   More than 85% of care today is received outside of a nursing home setting.

The Need for Long‐Term Care

Americans are living longer.  When you get old, you may get sick.  And when you get sick, you may need care.  Providing that care can have a devastating emotional and financial impact on your family and retirement portfolio.  Establishing a plan in advance about how you would want to be cared for and providing a way to fund that plan could greatly reduce the burden on your family and help protect your retirement portfolio.LTC_three-step-guide

Who Pays for Long‐Term Care?

People with assets usually end up paying for long term care out of their own pockets. Government programs cover much less than most people think.  Medicare doesn’t pay most nursing home bills.   Certain conditions apply and for those who qualify, coverage is typically for short‐term skilled care.  Medicare does not pay for custodial care.

Medicaid (Medi‐Cal in California) pays a large portion of nursing home expenses for those who have spent down their assets to the state required level ($2000 or less in most states).   Even then it may not cover most care at home, where many people would prefer to be when receiving care.

Long‐Term Care Insurance

The most popular coverage is a comprehensive plan that covers  Home care, Adult daycare, Assisted Living and Nursing Home.  Regardless of the type of policy, there are four basic choices made to build a plan: the maximum daily benefit, the benefit period, the elimination periods and the inflation option.

Long-Term Care Insurance is Important!

Read more about this important coverage by reviewing:

Understanding Individual Long-Term Care Insurance
A 3-Step Guide to SMARTER Long-Term Care Planning


Fast, Free Long-term Care Insurance Quote:

Looking for an affordable insurance quote with the best protection? Fill out the quick form on the right, and an agent will respond to you within 1 business day.

Need your quote right away? Give us a call at (203) 775-2564. You’ll be glad you did!


We are licensed in the following States/Provinces:
Connecticut – Arizona – California – Georgia

Our Local Partners Program

At Warwick Agency, we appreciate your business – and your trust. In an effort to repay your trust and support our local community, we would like to introduce you to our Local Partner Program. As a valued member of our local community, you are entitled to discounts from many of our local business partners! Click here to start saving today!

We Give You Choices

An independent insurance agency like Warwick Agency has access to all of the best carriers! With more options, we're able to custom design an insurance package that is perfect for you and your needs! From Safeco to MetLife, from Progressive to Aetna, we've got whatever it is that suits you best. Click here to see the companies we represent.


In order to find out what people are saying about Warwick Agency, click here to find more.