Long-Term Care

Long-term care plans are fast becoming a valued employer-sponsored benefit. Long-term coverage helps protect against the costs of care and gives employees choices about where that care is received. Many people believe long-term care is only for the elderly, but more than half of the people who file a long-term care claim are under age 65.

Long-term care costs have significantly increased over the years, and payment for those services often poses a serious threat to anyone seeking to preserve their assets. Even though health care plans, supplements or Medicare insures your employees, these benefits only cover skilled care, not custodial care. Only long-term care policies cover the expenses associated with home health care, assisted living or private nursing homes.

Although providing long-term care insurance is still a fairly new option for employers, it has proven to be an attractive incentive when it comes to recruiting and retaining employees. We can help you develop a cost-effective, customized long-term care option for your business that will add value to your existing employee benefits program.