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LTC Facts - Getting Past the Myths

Myth 1
LTC Insurance is Too Expensive

Coverage is more affordable than you realize.

Building a LTC policy is not 'one size fits all'. You can create a plan that's just right for your needs and budget.

Myth 2
I’m Already Covered by My Disability Insurance

Disability insurance does not cover LTC.

Long term disability
insurance is income replacement when you are unable to work due to injury or illness. It pays bills such as mortgage, cable, phone, and electric bills. It does not pay for the additional care you will need for LTC. LTC insurance helps you pay for the care and services you need.

Myth 3
I Should Wait to
Apply for LTC Insurance

The longer you delay, the more you pay.

A lot of us think we're too young to plan for LTC. However, to obtain the best rate, you want to be as young and healthy as possible. Your health qualifies you for coverage. The healthier you are, the more likely you are to be approved. Rates are based on your age when you apply. The younger you are the lower your rate.

Myth 4
My Other Benefits 
Cover LTC

Only LTC insurance covers LTC.

Health Insurance covers short term care (skilled); not LTC (custodial). 

Disability Insurance replaces a portion of your income if you become disabled and are unable to work.

Myth 5
Don’t Need It.
It Won't Happen to Me

Needing Care is a Reality.

A LTC event can happen at any time and any age.
We all like to think we are invincible, but the reality is accidents and illnesses are much more common than we like to believe.
LTC is the greatest risk we face, when compared to other risks. There is a 40% chance of needing LTC, when you reach age 65 your risk increases to 67%.

Myth 6
Government Programs 
Pay for LTC

Possibly. Medicaid could pay for LTC if you meet the eligibility requirements. 
 

Medicaid is a government program which covers LTC for individuals with low income and limited resources.

Medicare is the federal government program that provides health care coverage (health insurance) if you are 65+, under 65 and receiving Social Security Disability Insurance (SSDI) for a certain amount of time, or under 65 and with End-Stage Renal Disease (ESRD). 

Myth 7
My Family Can Take Care of Me

They could.
Is that what you and your children want?


The people you love will make a sacrifice to put their lives aside to become caregivers. They may need to quit their job, give up time with their children, and reduce their budget to make ends meet.

Myth 8
LTC Insurance Only Pays for Nursing Homes

LTC insurance pays for home care, assisted living and nursing home care.

The LTC policy allows you the flexibility to choose a LTC setting based on your needs.

Act Now

INTRO TO LONG TERM CARE

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