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Long Term Care Plans


Long-term care insurance pays for the cost of long-term care needs that are not covered by Medicare. It can help with expenses like nursing home care, assisted living, adult day care, in-home care, home modifications, and care coordination.

A long-term care policy is a vital part of any long-term care plan. It can give you the peace of mind of knowing that in the event you do face an illness or disability when you’re older, you can afford the care you need. Also, your children and other family members won’t be burdened with the significant expenses that may come with your long-term care.


What to Look For in a Long-Term Care Policy

Not all long-term care policies are created equal. That’s why it’s a good idea to shop around and compare all your options. Be sure to consider the following factors before you sign on the dotted line.


  • Daily Benefit Amount: The daily benefit amount refers to the maximum amount the insurer will pay for covered services per day. It usually ranges from $50 to $500 per day ($1500 to $15,000 per month) depending on the carrier.
  • Inflation Protection Amount: Inflation protection amount is particularly important if you’re younger. Nursing home rates go up every year so the higher the inflation protection, the better.
  • Your Age: The younger you are, the less expensive your premiums will be. Most financial professionals recommend you buy long-term care insurance in your 50s or 60s.

Freedom Home Care: A Long-Term Care Alternative

With a True Freedom Home Care plan, you may receive between 1,500 and 10,000 home care service hours that allow you to comfortably age in place at home. Not only is this plan affordable, it’s also free of underwriting questions, claims forms, deductibles, co-pays, or age limits.


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