Disability Income • Critical Illness Insurance • Long Term Care • Life Insurance

Long Term Care Insurance

People buy Tax-Qualified Long Term Care Insurance (LTCi) for many reasons:

LTCi helps protects the retirement assets of the healthy spouse.

LTCi helps you control where care will be provided, including at-home care.

LTCi is the only insurance program specifically designed to address long term care expenses.

Acute Care versus Long Term Care

Caution: Do not look to Medicare, Medicare Supplements, Medicare Advantage, Individual and Group Health Insurance, and The Affordable Care Act to fully address your Long Term Care needs.

These programs are designed to cover Acute Care following a medical incident and provide very limited LTC services. None are designed to cover Custodial/Personal Care, the essence and chief driver of LTC costs and services, notably assistance with Activities of Daily Living (ADL).

It is widely estimated that at least 70 percent of Americans over the age of 65 will need some level of Long Term Care services and support in their lifetime.

Long Term Care Insurance
Long Term Care National Average Costs
Tax-Qualified "Stand-alone" Long Term Care Insurance
Hybrid Life/Long Term Care Rider Combinations
Plan Design Considerations
Elimination (Waiting) Period
Long Term Care insurance Partnership
Long Term Care Insurance in the Workplace
Paying for Care - Insuring the Risk
Paying for Care - Selling Your Life Policy
Paying for Care - Government and Personal Sources
State Filial Responsibility Laws
Long Term Care Insurance Disclaimers and Notes

There is no fee for my services

Paul SuPrise, CLU, LTCP
770 Nuangola Road • Mountain Top, PA 18707-9507
570-868-6871 • Fax 570-868-6872
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