Copeland Insurance


Individual long-term care insurance helps you manage risks and costs.

Plan ahead for unforeseen illnesses with individual long-term care insurance.

Understanding Long-Term Care Insurance

Long-term care is often not covered by standard medical insurance policies, despite medical advancements leading to longer life expectancies. It’s essential to consider individual long-term care insurance as a safeguard in case you develop a chronic illness or face disability that requires extended care.

Coverage Details

What Does Insurance Cover?

Long-term care insurance covers a range of potential expenses, including nursing home fees, adult daycare services, home modifications, and assisted living facilities. It provides financial support to handle these costs and offers peace of mind before such expenses arise. Policies typically have limits on the duration of payouts or the total amount disbursed.

Payment Schedule Variations

Policies vary in their payment schedules. Some may limit payments to specific amounts for each type of long-term care service, while others—termed pooled benefits—provide a total sum that can be allocated according to your specific care needs.

Important Coverage Considerations

It’s crucial to review your policy for specific details:

-Approved Facilities: Determine if your policy restricts coverage to approved long-term care facilities.
-Medical Examinations: Understand the medical examinations and assessments required to trigger insurance payouts.
-Pre-existing Conditions: Like medical insurance, there may be a waiting period before coverage begins for pre-existing conditions and associated care costs.

Plan Ahead with Long-Term Care Insurance

Planning ahead with individual long-term care insurance ensures you’re prepared for potential future needs and can effectively manage the costs associated with extended care.

If you qualify for Medicaid or have substantial assets, you may not require it. Otherwise, it’s wise to consider coverage to ensure peace of mind.

Consider Inflation Protection in Your Policy

Before finalizing your policy, ensure it includes provisions for inflation. Long-term care needs may arise years after purchasing the policy, and the cost of care can increase significantly over time. What seems like adequate coverage today may not suffice in the future without inflation protection.

Explore Your Options for Long-Term Care Insurance

Interested in learning more about individual long-term care insurance coverage? Contact us to discuss whether it’s the right choice for your needs and to explore policy options that provide peace of mind for the future.

Individual long-term care insurance assists in mitigating risks and expenses associated with long-term care.

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