Comprehensive Coverage
LTC insurance covers a wide range of services, including assisted living, hospice care, skilled nursing, and even home care.
Primary Care Insurance Solutions in Houston offers a wide range of group health insurance benefit solutions for Texas businesses.
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Long-term care (LTC) is a reality many will face, yet few plan for. A serious illness or accident can lead to extended care needs, placing a significant financial burden on individuals and families. Help your employees safeguard their future with a group long-term care insurance plan.
LTC policies typically reimburse a daily amount (up to a set limit) for services that assist with daily living activities. The cost of the policy depends on:
LTC insurance is designed to cover the costs of extended care services that may be needed due to aging, illness, or disability. These services can include assisted living, nursing home care, and home healthcare.
LTC insurance offers financial protection for your employees and their families, ensuring they can afford quality care if needed. It also provides peace of mind and flexibility in choosing care options.
The cost of LTC insurance varies depending on the age of the insured person, the daily benefit amount, the benefit period, and any optional benefits chosen, such as inflation protection.
Most individual LTC policies and some group policies require medical underwriting, meaning that those in poor health or already receiving LTC services may not qualify. However, some group policies may offer guaranteed issue options with less stringent health requirements.
We can help you understand the complexities of LTC insurance, explore various plan options, and find the best coverage for your employees’ needs and budget. Contact us to learn more.