Plan IV can help you decide the best long-term Insurance plan for your needs.  With our experience and knowledge, we can point you in the right direction.

What is long-term care insurance?

Long-term care insurance is an insurance policy designed to offer financial support to pay for services such as nursing homes, community organizations or home nursing care, etc.  These policies reimburse policyholders a daily amount for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them. 

What does long-term care insurance cover?

Most policies sold today are compressive and typically allow you to use your daily benefit in a variety of settings, including:

• Your home
• Adult day service centers
• Hospice care
• Nursing homes
• Assisted living facilities
• Etc… 

Whether you should buy long-term care insurance depends on many different factors; including your age and life expectancy, gender, family situation, health status, income and assets.