Long-Term Care Insurance
Long-term care insurance helps cover the cost of extended care—at home, in assisted living, or in a nursing facility. For clients planning ahead, it’s a practical way to protect assets and reduce future burdens on family. The Stamm Agency helps you present LTC options clearly, so your clients can make informed, confident choices.
Frequently Asked Questions
-
What is long-term care insurance?
Long-term care insurance covers services that help with daily living needs, such as bathing, dressing, and eating, when someone becomes chronically ill or disabled.
-
Who should consider long-term care insurance?
It’s a good option for clients in their 50s or 60s who want to protect retirement savings and avoid relying solely on family or Medicaid for future care.
-
What types of care does LTC insurance cover?
Policies can cover in-home care, assisted living, adult day care, and nursing home costs—depending on the plan.
-
How are benefits structured?
LTC policies typically have a daily or monthly benefit amount, a benefit period, and an elimination period (waiting time before benefits begin).
-
Can long-term care be combined with life insurance?
Yes. Some carriers offer hybrid life + LTC policies. These can offer flexibility while ensuring unused benefits aren’t lost.
Help Clients Plan for the Long Run
We make it easy to compare long-term care solutions that balance cost, flexibility, and future protection.
