Give Your Team a Plan for the Care They May One Day Need
Group Long-Term Care Insurance in Houston
Extended care after an illness, injury, or the simple fact of aging can cost more than most families have saved. A group long-term care plan helps your employees pay for assisted living, skilled nursing, and care at home without spending down everything they own.
Why it matters
What Your Employees Get from the Coverage
Long-term care is a reality many people face and few plan for. One serious illness or accident can shift the whole cost onto a family.
Care in Every Setting
Assisted living, hospice care, skilled nursing, and home care all fall under the coverage.
Their Savings Stay Theirs
The policy absorbs the high cost of extended care instead of your employees' retirement accounts and assets.
Peace of Mind
Knowing quality care is already paid for takes the fear out of the conversation for employees and their families.
They Choose the Care
Employees pick the type of care and the providers that fit their situation.
How it works
How a Long-Term Care Policy Actually Pays Out
An LTC policy reimburses a daily amount, up to a set limit, for services that help with daily living activities. That covers assisted living, hospice care, skilled nursing, and home care. Four choices set what the coverage costs.
Age at Purchase
Younger employees pay lower premiums, so the plan gets more expensive the longer you wait to offer it.
Daily Benefit Amount
The maximum the policy pays per day of care.
Benefit Period
The maximum number of days, or years, the policy keeps paying benefits.
Optional Benefits
Add-ons such as inflation protection, which raises the benefit over time.
Before you buy
What to Settle Before You Offer a Plan
Health and timing decide who can get covered, which is why this benefit is easier to add early than late. We help you understand the complexities, compare plan options, and find coverage that fits your employees and your budget.
- 1
Start with Medical Underwriting
Settle who can be covered before anything else. Most individual and some group policies require medical underwriting, and employees in poor health, or already receiving long-term care, may not qualify. Some group policies offer guaranteed issue with lighter health requirements.
- 2
Then Compare the Policy Options
Once you know who qualifies, look at what the plans actually do. They differ in what they cover and what they cost, so compare them against your team's needs and budget rather than buying the first quote.
- 3
Then Price the Design You Chose
With the coverage settled, put a number on it. Premiums move with age, health, and the options you selected, so the price follows the decisions made in the two steps before it.
FAQ
Frequently Asked Questions
What is long-term care (LTC) insurance?
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.
Why should my employees consider LTC insurance?
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.
What factors affect the cost of LTC insurance?
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.
Do I need to undergo medical underwriting to get LTC insurance?
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.
How can Primary Care Insurance Solutions (PCI) help me with LTC insurance?
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.
Reviews
What Our Clients Are Saying
Secure Your Team's Future Care
Talk to Primary Care Insurance Solutions about group long-term care options for your Houston business. We will walk you through the plans and quote coverage that fits your budget.