Long Term Care Insurance
Plan for Tomorrow, Live with Peace of Mind Today
Long-Term Care Insurance: Protecting Your Future, Your Way
We’ll help you:
✔️ Find coverage options that fit your needs and budget
✔️ Understand what long-term care insurance covers—and what it doesn’t
✔️ Make a plan that protects both your lifestyle and your loved ones
Americans are living longer than ever, and while that’s great news, it also means planning ahead is more important than ever. Long-term care insurance helps you maintain control over your future, ensuring you receive the care you need—on your terms—without placing a financial or emotional burden on your family.
At TWP Financial & Insurance Services, we help you find a plan that covers your care at home, in an assisted living facility, or in a nursing home, so you can age with dignity while protecting your savings.
FAQ
What is long-term care insurance?
Long-term care insurance covers the ongoing care needed due to chronic illness, disability, or injury—services that regular health insurance or Medicare do not fully cover. This type of insurance allows you to choose where and how you receive care, whether at home, in an adult day care center, in an assisted living facility, or in a nursing home.
Does long-term care only apply to seniors?
No! About 40% of people who need long-term care are under age 65. Accidents, illnesses, and disabilities can happen at any age, which is why planning early is often the best approach.
What if I never need long-term care?
Long-term care planning isn’t about if you’ll need it—it’s about being prepared if you do. The real question is: If I ever need long-term care, will I be financially and emotionally ready?
Can’t my family take care of me instead?
While family members often want to help, there are key considerations:
- Do they live close enough to assist regularly?
- Can they take time off work to provide care?
- What if your caregiver also needs care in the future?
Long-term care insurance allows your loved ones to help where they can without placing undue strain on them or compromising the quality of care you receive.
Does Medicare cover long-term care?
Medicare only covers skilled nursing care for a short time under specific conditions. It does not cover ongoing long-term care needs, such as daily personal care or extended stays in assisted living or nursing homes.