Traditional coverage
Explore dedicated long term care insurance, benefit periods, inflation features, and premiums.
PLAN FOR CARE. PROTECT CHOICE.
Your care. Your choices. Your family’s peace of mind.
A thoughtful care plan can help preserve independence and reduce the financial and practical burden on the people you love.
Schedule a Care Consultation
~70%
Someone turning 65 has almost a 70% chance of needing some type of long term care services and support during their remaining years.
Source: Administration for Community Living · updated February 18, 2020A plan that reflects your priorities.
Life insurance with care benefits
Compare hybrid designs that combine life insurance with qualifying long term care benefits.
Your existing resources
Review current policies and what self funding care would mean for your savings and family.
KNOW BEFORE YOU DECIDEThe details matter.
The details matter.
So do the tradeoffs.
Qualifying for benefits
Benefit triggers, covered services, waiting periods, and exclusions differ by policy.
Planning for affordability
Medical underwriting applies. Some premiums may increase, and inflation can affect the value of benefits.
Understand Medicare’s limits
Medicare generally does not pay for ongoing custodial care when that is the only care needed.
Important considerations
Benefits, eligibility, elimination periods, premium guarantees, exclusions, and underwriting vary by insurer and policy. Hybrid benefits may reduce the death benefit and available cash value. Availability varies by state. No coverage or claim payment is guaranteed by submitting a consultation request.
M. H. LeBlang Insurance Services is not the issuing insurance company and does not guarantee the contract. Any contractual guarantees depend on the issuer’s claims-paying ability and the terms of the contract.
M. H. LeBlang Insurance Services and the licensed insurance producer may receive commissions and other compensation from the issuing insurance company. Compensation varies by product and carrier and creates a financial incentive.
Medicare and long term care coverage