Long Term Care

Looking For Long Term Care Insurance In Minnesota?

Long Term Care Insurance Can Help to Cover The Costs of Caring For Yourself When You No Longer Can.

Are you 50+ years of age? Do you have your long term care insurance in place? While rarely expected, life can change dramatically. Without a long-term care insurance policy, your quality of life—and the cost to keep you safe and healthy—can grow astronomically.

Long-term care insurance isn’t something that’s often considered until it’s needed. At that point it’s too late. Long-term care insurance covers a wide variety of services that your regular health insurance doesn’t. For any long-range financial plan, long-term care insurance plays an important part. If you are 50+ years of age, this is particularly important for you.

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Long Term Care Insurance Guide Book


What is Long-Term Care Insurance?

Long-Term Care Insurance, not to be confused with disability insurance, offers people a financial safety net designed to cover a wide range of long-term care services. If you are unable to care for yourself because of prolonged illness or disability, long-term care insurance may pay for the kind of services you need. Such services may include help with activities of daily living, home health care, respite care, adult day care, care in a nursing home or care in an assisted living facility.

Reasons People Buy:

What Are the Options When Choosing A Policy? Think Cash!

Choice is what we’re about at LTCi Advisors, Inc., and we offer the easiest and most beneficial policies available. Our favorite is what we call the NEW GENERATION of long-term care policies, otherwise known as a cash benefit. With the usual policy, you must first incur the expense of long-term care in order to be reimbursed by the insurance provider. A NEW GENERATION policy offers you CASH deposited into your bank account, after your deductible period, upon doctor’s notice that you can’t perform two of the six activities of daily living.

That’s it. No strings attached – no exclusions – no restrictions. Spend the cash as you like, on the quality of services you prefer.

Other Things to Remember:

Checklist When Buying Long-Term Care Insurance:

Consider These Statistics: