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Long Term Care

Long Term Care

Premium insurance

Long Term Care (LTC) Coverage

According to the CDC, Americans are now living longer than the generations before them. That fact coupled with rising health care costs across the nation is leaving many of the elderly exposed to the limitations and shortcomings of Medicare and Medicaid – the need for Long-Term Care (LTC) coverage has never been more important.

Many of us will need care as we age.1

Americans age 65 and older

When given the choice, many people remain in their own homes while receiving care.2


LTC is expensive, and the cost continues to grow.3


People receive LTC for an average of 2.5 years in a nursing home and 4.5 years outside a nursing home. If you need care, where will this money come from?

Our Lines of Coverage

We are Here to Help

We understand the conversations of aging and no longer being self-sufficient are challenging. We’re here to walk through the process with you. Discussing LTC is something that all individuals should do, yet most do not. There are cost-effective routes to help you avoid the high costs many of us will face as you age. At Old Harbor, we have many Long-Term Care options available and can tailor coverages to suit your family’s needs.

Below are a few options available among our Long-Term Care providers:

Our Lines of Coverage

There Are Two Ways That LTC Benefits Can Be Paid

Frequently Asked Questions

How Can We Help?

Your doctor must certify that:
  1. You have a severe cognitive impairment, or
  2. Are unable to perform two or more activities of daily living (ADL): bathing, eating, continence, toileting, dressing yourself, or getting in/out of bed.

Source: “Paying for Long-Term Care.” Medicare.gov (Dec 27, 2016)

Many of our carriers allow either a simple or compound inflation to hedge against increasing costs in the future.

Home health care, Nursing home care, Hospice services, Family care, Home safety improvements, Household services such as home or yard maintenance.

Let Us Handle Your Loved
One's Long Term Care

Old Harbor is the choice for Long Term Care insurance.