Protect savings and plan confidently for future care needs.
Long‑term care insurance helps cover assistance with daily activities—at home, in assisted living, or in nursing facilities.
We explain costs, benefit periods, inflation options, and eligibility so you can protect assets while ensuring access to quality care in California.
Plans are tailored to budget, goals, and family considerations for practical, sustainable protection.
Medicare and standard health insurance policies typically do not cover long-term care services. Medicaid (Medi-Cal in California) only covers long-term care for those with very limited assets. This leaves a significant gap in coverage for most individuals, making private long-term care insurance a critical component of a comprehensive financial plan.
Comprehensive coverage for a range of care settings
Covers services provided in your home, including skilled nursing care, physical therapy, and assistance with daily activities.
Covers care in facilities that provide housing, meals, personal care, and some health services for those who need assistance but not full nursing home care.
Covers skilled nursing care and rehabilitation services in a licensed nursing facility for individuals who require 24-hour supervision and medical assistance.
Covers services provided in a supervised setting during the day for adults who need assistance or supervision while family caregivers are at work.
Many policies include a care coordinator who helps you navigate the long-term care system, assess needs, and arrange for services.
Provides temporary relief for family caregivers, allowing them to take a break while a professional caregiver steps in.
Understanding the components of your long-term care policy
The maximum amount the policy will pay for care services each day, typically ranging from $50 to $300 or more
The maximum length of time the policy will pay benefits, usually 2 to 5 years, or even lifetime coverage
The waiting period (e.g., 30, 60, 90 days) after care begins before the policy starts paying benefits. Longer periods mean lower premiums
An optional rider that increases your daily benefit amount over time to keep pace with rising healthcare costs
For couples, allows one spouse to use the other spouse's unused benefits if they exhaust their own, maximizing coverage
Protects a portion of your benefits if you stop paying premiums after a certain period, providing some return on your investment
Consider long-term care insurance if you:
Concerned about long-term care costs depleting your retirement savings or assets
Wish to avoid placing the financial and emotional burden of caregiving on your loved ones
Have a family history of chronic illness or conditions that may require long-term care
Don't leave your long-term care needs to chance. Get a free quote and secure your financial future.