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What is Long-Term Care?

What is Long-Term Care Insurance?


Long-Term Care (LTC) generally refers to the care needed for those requiring assistance with basic daily activities or due to cognitive impairment for both shorter and longer periods of time. 


Long-term care that is provided to individuals under the age of 65*


Individuals who will need long-term care after the age of 65*

Caregiver total lost wages, pension, and social security benefits*

Lifetime lost wages, retirement savings, and social security for female caregivers.*

*MetLife’s study on working caregivers



Medicare does not pay for extended LTC and many assume that they can self-insure, despite the growing and prohibitive costs of such care. Ask us about more myths and misconceptions to help make your decision process easier. 

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What is Long-Term Care?