If you’re thinking ahead about your future care needs, purchasing long-term care insurance (LTCI) is one of the smartest steps you can take to protect your independence, your assets, and your loved ones. But we also know that starting the process can feel intimidating if you’re not sure what to expect.

Let’s walk through the key steps of the process so you can feel confident and informed as you begin your planning.

Step 1: Speak With a Long-Term Care Advocate

Your journey begins with a conversation. One of our trusted LTC Advocates will meet with you to learn about your goals, answer your questions, and explain your coverage options. This consultation is completely free and comes with no obligation to buy a policy.

The LTC Advocate will help you understand:

• What types of policies are available (traditional vs. hybrid)
• What benefits and features to consider
• How to align coverage with your budget and long-term goals

Step 2: Understand the Application Process

If you decide to move forward, your LTC Advocate will walk you through the long-term care insurance application process. This typically involves:

• Completing a health questionnaire
• Possibly undergoing a phone interview or brief medical screening
• Providing basic financial information

Each insurance company has its own requirements, but your LTC Advocate will handle the details and help keep things on track.

Step 3: Review and Choose Your Policy

Once your LTCI application is reviewed, you’ll receive a policy offer from the insurance company. Your LTC Advocate will help you understand the terms and make sure the policy aligns with your expectations. You’ll want to review:

• Daily or monthly benefit amounts
• Benefit duration (how long coverage will last)
• Elimination period (how long you wait before benefits begin)
• Inflation protection and other optional features

If everything looks good and you’re ready to proceed, you’ll begin making premium payments (or make the one-time premium payment), and you can rest assured you’ve done the right thing for you and your family.

Step 4: Enjoy Ongoing Support

Even after your LTCI policy is in place, your LTC Advocate remains a resource for you. They’ll answer questions, help with updates, and ensure you understand how to use your coverage if and when the time comes.

Take the first step in the LTCI process today!

Planning ahead for long-term care doesn’t have to be complicated, and you don’t have to do it alone. Our experienced LTC Advocates are here to simplify the process, answer your questions, and guide you toward the right solution for your future.

Schedule your free consultation today and start planning with confidence.