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Prepare for the Possibility of Long-Term Care.
Long-term care can involve more than medical treatment. It may include help with everyday activities, care at home, assisted living, or other long-term services. We help you understand long-term care insurance, what it is designed to cover, and the factors to consider when planning for the future.
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Understanding Long-Term Care
Long-term care refers to services that may be needed when someone has a prolonged illness, disability, or condition that affects their ability to care for themselves independently.
Depending on a person's needs, long-term care may include:
- Help with everyday activities such as bathing, dressing, eating, or using the bathroom.
- Care provided in the home.
- Adult day care.
- Assisted living services.
- Nursing home care.
- Other personal, medical, or supportive services.
Long-term care insurance is designed to help cover certain long-term care services when the policy's requirements for benefits are met.
Understanding Long-Term Care Insurance
Long-term care policies can differ significantly. Understanding the details is important before purchasing coverage. Policy terms, benefit triggers, exclusions, limitations, premiums, and available options vary by policy and insurance company.
Benefit Triggers
Learn what conditions must be met before a policy begins paying benefits. Many policies use limitations in activities of daily living as part of their benefit eligibility requirements.
Elimination Period
Understand how many days you may be responsible for covered care before policy benefits begin.
Daily & Monthly Benefits
Learn how the policy determines the amount it may pay toward covered care and how benefit limits work.
Benefit Period
Understand how long benefits may be available under the policy and what happens when the maximum benefit is reached.
Inflation Protection
Consider how benefits may change over time and whether the policy includes an inflation protection option.
Premiums & Rate Changes
Understand the premium you will pay, how often you pay it, and that premiums may increase over time.
Where Care May Be Provided
Long-Term Care Can Take Different Forms.
Depending on the policy and the care needed, long-term care services may be provided in different settings.
At Home
Care and assistance may be provided in your home.
Assisted Living
Some policies may provide benefits for qualifying services received in an assisted living setting.
Adult Day Care
Certain policies may cover qualifying services provided through adult day care.
Nursing Home Care
Some policies provide benefits for qualifying care received in a nursing facility.
Coverage depends on the specific policy, eligibility requirements, and covered services.
Washington Long-Term Care Planning
Washington has specific long-term care programs and insurance requirements that consumers should understand when planning for future care. The Washington State Long-Term Care Partnership Program is one option that may provide asset protection for qualifying policies when Medicaid eligibility requirements are met. Not every long-term care policy qualifies for the Partnership Program. We can help you understand the differences and questions to consider when reviewing your options.
Learn About Washington Long-Term Care ResourcesWhy Consider Long-Term Care Planning? Plan Ahead. Protect Your Choices.
Planning for potential long-term care needs can be an important part of broader financial and family planning.
Without a plan, families may need to consider how care will be paid for, who will provide care, and how those decisions could affect finances and family members.
Long-term care planning gives you an opportunity to understand your options before a need arises.
Have Questions About Long-Term Care?
Let's Start With a Conversation. Planning for future care does not have to begin with a decision. It can begin with a question. No pressure. No obligation. Just a conversation to help you understand long-term care insurance and the options available to you.
Choose a time that works for you. We confirm your appointment, answer your questions, and there is no obligation.
Educational information only. Long-term care insurance availability, eligibility, premiums, benefits, exclusions, limitations, benefit triggers, and policy terms vary by policy and insurance company.