Long-Term Care Insurance

Prepare for Your Long Term Needs with Long Term Care Insurance Pacific Agency: Your LTC Specialist

Long term care insurance is one of the best financial decisions an individual can make. We all hope to remain healthy and independent. But, at some point in our lives, we are likely to need long term care, and when we do we have to figure out how we can pay for the care that we need.

  • Do you want to receive care in the comfort of your own home?
  • Do you want to find the safest and best accommodations regardless of cost?
  • Do you want to be able to more easily afford the costs related to your long term medical care?

Health insurance and Medicare only cover the basics. If you want better long term care with fewer financial repercussions, you may benefit from long term care insurance.

Long Term Care Resources Pacific Agency (LTCR Pacific) is a nationwide leader in long term care insurance. We have partnered with hundreds of universities and professional organizations to provide discounts on your LTC costs, and have amazing agents that can match you to a policy that fits your budget and your expected needs.

Call us at (800) 499-0067 or fill out our online form to connect with one of our LTC agents, or to learn more about long term care insurance.

Who We Are: Long Term Care Resources Pacific Agency

Long Term Care Resources Pacific Agency (shortened to LTCR Pacific) is a long term care insurance specialist. We are licensed to provide insurance in over 30 states, and have agents across the US that are highly skilled at identifying your insurance needs and matching you to policies that address those needs.

We are independent, which means that we have access to numerous carriers and can compare and contrast different policies and prices. This allows us to find you both the best rate and the best policy.

Founded in 1997, LTCR has been connecting individuals with the products that will help them with their medical and long term care needs. Because we are specialists in long term care insurance (LTCI), we are also able to provide better, more personalized support that improves satisfaction among all of our clients. We care about each and every person that calls, and have compiled an AMAZING team ready to address your concerns and questions.

What is Long Term Care Insurance (LTCI)?

LTCI is designed to cover the costs of services and support for individuals with chronic medical conditions, disabilities, or disorders that prevent them from performing basic daily activities such as bathing, dressing, or eating.

Typically, this type of insurance provides financial assistance for various care settings, including nursing homes, assisted living facilities, and in-home care services. As these costs can be substantial and are not generally covered by traditional health insurance or Medicare, long-term care insurance offers a vital safety net, allowing for more choices and better access to quality care as one ages or in case of severe health issues.

Long-term care insurance is extremely important, especially as you get older. It helps alleviate the financial burden on individuals and their families, ensuring that care needs are met without depleting personal savings or assets.

What Are The Benefits of Long Term Care Insurance?

If you find yourself in need of long term care, the last thing you want you or your family to worry about is how you are going to pay for it – especially now that the costs of this type of care keep rising significantly. LTCI opens the door to significantly more options and opportunities, with benefits that include:

  • Options to stay in your own home or choose an assisted living facility and nursing home, knowing that you have more help to pay for the added costs.
  • Coverage for home modifications such as safety equipment and emergency alert systems (included with most policies, check with your agent).
  • Waiver of premium while receiving benefits, so that if you are faced with the sudden medical or disability need and unable to pay for your premium, it will be covered by the policy.
  • Possible discounts and opportunities for couples. Couples may share their policy benefits, and might see a reduction in premium if both couples are on the same plan.

At LTCR Pacific, we also have discounts available for those that are connected to specific organizations and universities (contact us to see if your school is included), and those in good health. Many of these discounts are only available with LTCR and affiliated agencies.

Why Choose LTCR Pacific for Your Long Term Care Insurance?

We know you have a choice in long term care insurance agents, and we know how important this decision is for you. We encourage you to reach out to us and discuss your policy needs. We feel very confident we can get you amazing rates, and that our team will be able to help you identify your needs, look at your finances, look at what you are likely to need, and find you a great policy.

If you’re ready to get started, contact LTCR Pacific today, and let’s connect you with one of our agents and find you the best possible insurance we can. Fill out our online form below to speak with an agent.

FAQ About LTC Insurance and LTCR:

Q: Doesn’t Health Insurance and Medicare cover long term care?

A: Health insurance and Medicare cover a portion of your long term care needs, but only the basics. If you find, for example, a nursing home that accepts Medicare, you may have coverage for only a small room with someone else and nothing left over for other medical needs. Long term care insurance covers more, so that you can get at home care, or a better room, or access to better medical facilities, and more, all with more of the costs covered.

Q:  How Much Long Term Care Insurance Coverage Do I Need?

A: There are many factors that affect how much long term care insurance coverage you’re going to need. Part of it has to do with your current age, as your long term care expectations and costs may differ depending on your age and health. Typically, most people receive $165,000 in long term care insurance.

Q: How is Your Long Term Care Insurance Premium Calculated?

A: Many different factors affect your premium, including your gender, health, educational background, and more. But the single most important factor is going to be your age, which is why it is so important that you get your long term care insurance completed sooner than later.

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