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  • Home
    • Welcome
    • About Us >
      • Client Testimonials
      • Refer a Friend
      • Accessibility Statement
      • Insurance Carriers
  • Solutions
    • Shop 4 Affordable Benefits >
      • Discount Dental Plans >
        • DentalPlans.Com
      • Dental & Vision Insurance >
        • Dental for Everyone
      • Prescriptions Discounts
      • Travel Insurance >
        • Travel Insurance Center
      • Telemedicine Service >
        • 24/7 Doctor Call
    • Annuities >
      • Annuity Explanation
      • Fixed Annuities
      • Income Annuity
      • Longevity Annuity
    • Life Insurance >
      • Low Cost Term Insurance
      • Final Expense Insurance – Guaranteed Issue
      • Whole Life Insurance
      • Universal Life Insurance
      • Life Settlements
      • Living Benefits
    • Group Benefits >
      • Health Insurance
      • Life Insurance
      • Disability Insurance
      • Dental Insurance
      • Voluntary Benefits
    • Health Insurance >
      • Dental Insurance
      • Long Term Care Insurance
      • Income Protection
      • Professional Disability
    • Strategies >
      • Tax Exempt
      • Tax-Free Benefits
      • Annuity Types
      • Final Expense Benefit for Employee Families
      • Safe Money Tax Free Retirement Plan
      • Pension Maximization
      • CD to Annuity
    • Travel Insurance
  • Senior Services
    • Find A Doctor
    • What is Medicare?
    • What Medicare Doesn’t Pay For
    • Dental and Vision Insurance
    • Medicare Supplement
    • Medicare Advantage
    • High Deductible Medicare Supplement
    • Life Insurance for Seniors
    • Life Settlements
    • Long Term Care
    • LTC Life
    • Travel Outside the United States
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    • Life Insurance Needs Calculator
    • Submit A Question >
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Long Term Care Insurance

ong term care insurance covers expenses and services not covered by health insurance, Medicare, or Medicaid. Speak with one of our specialists about your options today
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What is Long Term Care Insurance?

Long-term care insurance (LTC or LTCI), an insurance product that helps provide for the cost of long term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.

The Benefits of Long Term Care Insurance

Long-term care insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities. If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to seven days a week, 24 hours a day (up to the policy benefit maximum).

Other benefits of long-term care insurance:
  • Many individuals may feel uncomfortable relying on their children or family members for support, and find that long-term care insurance could help cover out-of-pocket expenses. Without long-term care insurance, the cost of providing these services may quickly deplete the savings of the individual and/or their family.
  • Premiums paid on a long-term care insurance product may be eligible for an income tax deduction. The amount of the deduction depends on the age of the covered person. Benefits paid from a long-term care contract are generally excluded from income.
  • Business deductions of premiums are determined by the type of business. Generally corporations paying premiums for an employee are 100% deductible if not included in employee's taxable income
Medicaid provides some of the benefits of long-term care insurance. A welfare program, Medicaid does provide medically necessary services for people with limited resources who need nursing home care but can stay at home with special community care services. However, Medicaid generally does not cover long-term care provided in a home setting or for assisted living. People who need long-term care often prefer care in the home or in a private room in an assisted living facility.

Contact us to learn more about the right long term care insurance for you.
(212) 689-5566​
380 Lexington Avenue 17Fl
New York, NY 10168​
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Licensed in New York, Connecticut, Florida, Nevada and  New Jersey

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Fred Warner Assoc.
1345 Sixth Avenue, 33rd FL.
New York, NY 10105
(212) 689-5566​
Click Here to Email Us

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