We insure the house we'll probably never lose. We skip the care we'll probably need

Some expenses show up gradually, not all at once.

Long-term care is one of them. It involves continuous support, often at home or in assisted living facilities. Here's the catch: it isn’t typically covered by health insurance.

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The Cost Is in How Long It Lasts

It’s less about a single event and more about duration.


Care can take different forms. Most care begins with occasional help at home, then shifts into more consistent support, and may progress to requiring assisted living or skilled nursing.


As that level of care needed increases, so do the costs.

In the greater New York area, assisted living runs between $6,000-$15,000 per month, depending on the level of care needed.


As these costs build over time, financial pressure also increases.


Without a plan in place, these costs are often paid out-of-pocket, depleting savings that other household members might also rely on.


Long-term care insurance helps offset part of those ongoing costs, reducing the need to rely entirely on savings, other assets, or family support.

What People Often Assume, and get wrong About Long-Term Care

What have you been counting on to cover long-term care costs?


“Health insurance or Medicare will take care of it.”


Long-term care is typically not covered by either. It’s a separate type of care that needs to be planned for on its own.


“I probably won’t need that kind of care.”


The likelihood is higher than most people expect, especially over time. In fact, according to U.S. Department of Health and Human Services (HHS) data, 70% of adults turning age 65 are expected to need some form of long-term care service. While many need care for less than two years, 20% will require support for longer than five years. 


“If I ever do need care, it won’t be that expensive.”


Costs can be significant, and they often increase depending on the level and duration of care.


“My family can step in if something happens.”


They often do at first. Over time, the physical, emotional, and financial demands can become more than most families are prepared for.


“Planning for this is mostly about me.”


In reality, it affects the entire family. Having a plan in place allows everyone to focus on care instead of managing stress and uncertainty.


“We’ll figure it out together if it ever comes up.”


That becomes more complicated when both partners need care at the same time.

What to Look for in Your Current Policy?

If you already have coverage in place, it may be worth checking:


  • Are high-value items listed individually?
  • What are the limits for specific categories?
  • How would a claim involving those items be handled?


Those details are often overlooked until a claim brings them into focus.

Common Questions About Long-Term Care

  • Why can’t I rely on Medicaid to cover long-term care?

    Medicaid is designed for individuals with limited income and assets. In most cases, it only becomes an option after personal resources have been significantly reduced.

  • What might affect eligibility for long-term care insurance?

    Each provider looks at factors like age, health, and medical history. That doesn’t mean coverage isn’t available, but timing can make a difference.

  • How often should coverage be reviewed?

    It’s worth revisiting periodically, especially after changes in health, finances, or long-term plans.

  • Can premiums change over time?

    They can, depending on broader factors like claims and cost of care trends. However, some plans we offer include guarantees built into the plan, so that this doesn’t happen.

  • Are there alternatives to traditional long-term care insurance?

    There are options that combine life insurance with care benefits, as well as shorter-term coverage solutions.

The earlier you plan for long-term care, the more options you have

A review looks at how potential care costs could affect your financial picture and how coverage may help alleviate those expenses.