To speak with a licensed agent, call (231) 346-7122 (TTY 711 M-F, 9am-5pm) or email

McDonnell Insurance

Long Term Care Insurance

(231) 346-7122 //

Long-term care insurance is designed to provide coverage for the expenses associated with long-term care services. It offers financial protection in the event that you require assistance with activities of daily living, such as bathing, dressing, eating, or if you have a cognitive impairment like Alzheimer’s disease. By having long-term care insurance, you can ensure that you receive the care you need without depleting your savings or burdening your loved ones financially.

Why is Long Term Care Planning Important?

Long-term care planning is essential because the need for long-term care can arise unexpectedly due to aging, accidents, or chronic illnesses. Planning ahead allows you to have control over your care options and helps protect your assets and financial well-being. Long-term care insurance plays a crucial role in this planning process, providing you with peace of mind and the ability to afford quality care when you need it the most.

Costs Associated with Long-Term Care

The costs of long-term care can vary significantly depending on the type of care needed and the location. Nursing homes and assisted living facilities, for example, can be quite expensive, with costs ranging from several thousand to tens of thousands of dollars per month. In-home care services can also accumulate substantial costs over time. By having long-term care insurance, you can mitigate the financial impact of these expenses and protect your savings.

Long Term Care Coverage Options

When evaluating your long-term care needs, several factors should be taken into account. These include your age, health status, family history.

Comprehensive Long-Term Care Insurance

Comprehensive long-term care insurance policies are specifically designed to cover a wide range of long-term care services, including skilled nursing care, personal care, and custodial care. These policies offer flexibility in choosing care settings and typically have benefit periods that determine the duration of coverage.

Hybrid Policies

Hybrid policies combine the benefits of long-term care insurance with life insurance or annuities. They allow policyholders to use the coverage for long-term care expenses and provide a death benefit to beneficiaries if long-term care is not needed. Hybrid policies offer a way to address long-term care concerns while still benefiting from a life insurance component.

Frequently Asked Questions About Long Term Care Insurance

Is long-term care insurance tax-deductible?

Can I still get coverage if I have existing health conditions?

What happens if I never need long-term care?

How do I determine the appropriate coverage amount?

Can I change my long-term care insurance policy in the future?

Will my premiums increase over time?

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