Long-Term Care Insurance
Protect your assets and ensure quality care when you need it most. Comprehensive coverage for nursing homes, assisted living, and in-home care.
Understanding Long-Term Care Insurance
Watch this short video to learn how LTC insurance protects your assets and provides quality care when you need it most.
Key Benefits of Long-Term Care Insurance
With the average cost of nursing home care exceeding $100,000 per year, LTC insurance protects your retirement savings and ensures you receive quality care without burdening your family financially.
Protect Your Assets & Legacy
Prevent the depletion of your life savings, home equity, and investments. Preserve your legacy for your children and grandchildren.
Choice & Independence
Choose where and how you receive care -- at home, in assisted living, or in a nursing facility. LTC insurance gives you options and control.
Relieve Family Burden
Spare your loved ones from the physical, emotional, and financial stress of providing care. Let professionals handle care while family focuses on being family.
Access to Quality Care
Receive professional care from trained caregivers and access better facilities. Insurance benefits open doors to higher-quality care options.
Tax Advantages
Premiums may be tax-deductible as medical expenses, and benefits are generally received tax-free. Consult with your tax advisor for specific details.
Inflation Protection
Many policies offer inflation riders that grow your benefit amount over time, keeping pace with rising care costs so your coverage stays relevant for decades.
Who Should Consider Long-Term Care Insurance?
Pre-Retirees (50-65)
Lock in lower premiums while you're healthy and protect your retirement savings from future care costs.
Asset Protectors
If you have significant assets to protect (home, investments, savings), LTC insurance prevents depletion from care costs.
Family Caregivers
Adult children planning for aging parents who want to avoid the emotional and financial burden of caregiving.
Business Owners
Entrepreneurs who need to protect business assets and ensure continuity if long-term care is needed.
Singles & Couples
Those without family nearby or who don't want to rely on children for care and financial support.
Those With Family History
If Alzheimer's, dementia, or other chronic conditions run in your family, early planning secures coverage while premiums are lower.
Get Your Free Long-Term Care Insurance Quote
Answer a few simple questions and our licensed advisors will prepare a custom quote from top-rated carriers -- tailored to your needs, your budget, and your family.
100% free and confidential. We'll prepare personalized options for you.
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Long-Term Care Insurance Quote
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What Our Clients Say
Based on real client experiences, dramatized for privacy.
"After my mother's diagnosis, we realized how unprepared we were. Landau helped us get coverage for my father before it was too late. The peace of mind is priceless."
Sarah M.
LTC policyholder since 2019
"I was paying $4,200 a year with another company and Landau found me better coverage for $2,800. They compared six carriers side by side and walked me through every detail."
Robert K.
Switched carriers with Landau's help
"My husband and I both got policies in our late 50s. The process was straightforward and Yona answered every question without rushing us. Highly recommend."
Linda & James T.
Couple coverage since 2021
"I never thought I'd need long-term care at 62. When I filed my claim, Landau was there every step of the way. They truly don't disappear after you sign."
David H.
Filed a claim after 8 years of coverage
How Long-Term Care Insurance Works
Choose Your Coverage
Select your daily benefit amount (typically $100-$300/day), benefit period (2-5 years or lifetime), and elimination period (30-90 days). We'll help you customize coverage to your needs and budget.
Pay Your Premiums
Pay monthly, quarterly, or annual premiums to keep your policy active. Many policies offer inflation protection to ensure your benefits keep pace with rising care costs.
Trigger Benefits When Needed
Benefits are triggered when you can't perform 2 or more activities of daily living (ADLs) or have severe cognitive impairment. A licensed healthcare professional must certify your need for care.
Receive Care & Benefits
After your elimination period, your policy pays benefits directly to you or your care provider. Use benefits for approved care services in the setting of your choice.
Frequently Asked Questions
Get Your Free Long-Term Care Buyer's Guide
Our comprehensive buyer's guide covers everything you need to know about LTC insurance -- costs, coverage options, carrier comparisons, and step-by-step action items to protect your future.
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Long-Term Care Insurance Buyer's Guide
Your Complete Guide to Protecting Your Future
What's Inside
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Complete Your Protection
Many clients pair Long-Term Care Insurance with Life Insurance for complete family protection.
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