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Long-Term Care Planning

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Medicare doesn’t cover long-term care like nursing homes or extended home care. That’s why many seniors consider long-term care insurance—to protect their savings and give their families peace of mind.


We help seniors and families across Springdale, and nearby areas understand their options and choose coverage that fits their situation—not just their age.

We Explain Long-Term Care Insurance in Plain Terms

Most people don’t realize that if they ever need ongoing help with daily activities—like dressing, bathing, or eating—Medicare likely won’t cover it. That’s where long-term care insurance comes in. It can help pay for care in your home, an assisted living facility, or a nursing home.



But the policies are often complex and full of confusing language. We help you understand how they work, what they cost, and whether a traditional policy or a hybrid option (like life insurance with long-term care benefits) makes more sense for you. No pressure, no guessing—just honest answers.

Simple, Affordable Options for Everyday Care

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Policy Comparison & Cost Review

We compare multiple carriers and policy types—traditional and hybrid—to help you understand cost, benefit amounts & inflation protection options.

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Coverage Breakdown

We explain how benefits are paid (daily or monthly), what triggers them, and how long they last.

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Home, Assisted Living & Nursing Home Coverage

We help you choose coverage that fits the kind of care you’d prefer, whether that’s in your home or a facility.

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Alternatives to Traditional LTC Insurance

If you don’t qualify for traditional coverage or prefer more flexibility, we can explain life insurance with long-term care riders or annuity-based options.

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Application & Eligibility Guidance

We help you understand health questions, underwriting, and what affects approval—especially if applying later in life.

Frequently Asked Questions

  • Does Medicare cover long-term care?

    No. Medicare may cover a short stay in a skilled nursing facility after a hospital stay, but it doesn’t pay for ongoing care like help with daily activities or extended nursing home stays.

  • When is the best time to buy long-term care insurance?

    Most people look into it in their 50s or early 60s when they’re still in good health. But it can still be an option later—depending on your health and the type of policy.

  • What if I’ve had health issues—can I still qualify?

    Possibly. Some policies have health screenings, but others offer simplified underwriting or hybrid alternatives. We’ll help you find out what’s available based on your situation.

  • Is long-term care insurance worth it?

    That depends on your budget, assets, and goals. For many seniors, it’s a way to protect their family from financial strain. We’ll help you decide if it fits your needs—or suggest other options if it doesn’t.