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Frequently Asked Questions

When do LTC insurance benefits kick in?

Usually, eligibility for benefits under a Long Term Care policy begins when you can’t do at least two of six “activities for daily living” (ADLs) .

What are the activities of daily living (ADLs)?

The activities of daily living are bathing, caring for incontinence, dressing, eating, using the toilet, and getting in or out of bed or a chair.

What can I expect to pay for Long Term Care insurance?

Rates for Long Term Care insurance rely heavily upon each individual. Factors such as age, health, gender, marital status and more all play a role in determining your rate.

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