Finding the Best Policy for Long-Term Care

As we age, many of us will need what’s known as long-term care due to a lack of mobility or chronic illness. This includes having someone around to help with routine activities like dressing, bathing, eating, errands, housework, and managing medications. But your health insurance policy, including Medicare, typically won’t cover these services, especially over the long-term. That’s why you may need long-term care insurance. You can use this kind of policy to cover the costs of long-term care, including a part-time or live-in nurse, home health care products, and more. If you’re interested in signing up for long-term care insurance, learn more about the top four long-term care insurance companies and start comparing policies today.

ACSIA Partners

Long-term care insurer ACSIA Partners is here to simplify the insurance process. They pair you with an insurance specialist that helps you find the best policy based on your specific health care needs to make sure you’re not paying for services you don’t use. You can manage all your payments and premiums through your specialist, so you won’t get lost in the corporate shuffle. They also offer steep discounts for spouses and partners, increased deductibles, and other policy modifications.

New York Life

As one of the most reputable insurers in the country, New York Life helps you customize your long-term care insurance policy. With dozens of options, riders, and adjustments to choose from, you can find a policy with just the right amount of coverage. In certain states, they also offer additional benefits at no additional cost such as working with a care planner and dividend eligibility, which pays you a portion of the insurance company’s profits as if you were an investor or stockholder.

TransAmerica

Known for the strength of their financial backing, TransAmerica helps you find the care you need while protecting your finances over the long-term. They coined the phrase, “Wealth + Health Connection,” which promotes the idea of making smart physical and financial decisions that help you live a long, healthy life, so you can enjoy your wealth. They help you look at the entire picture, including your health, finances, and quality of life over the long-term.

GoldenCare

GoldenCare wants to empower you as a policyholder. They provide a range of learning tools to help you make sound financial decisions and you’ll be partnered with a one-on-one long-term care specialist who’s there to walk you through all your coverage options. They work some of the top-rated insurance companies in the country, helping you find an affordable policy with the right benefits. Known for their expert customer service, you can rest assured you’ll be in good hands with GoldenCare.
Signing up for long-term care insurance is an important step towards protecting your finances. Hiring a live-in nurse and using home health care products can chip away at your life savings. Get the care you need without depleting your retirement account and sign up for long-term care insurance today!