Though not widely available as a group benefit in New York State, there is still the ability to obtain an individual long-term care policy. These policies are designed to cover the expenses associated with home care, assisted living, nursing home and like facilities in the event that one qualifies for coverage.


Contact us to discuss whether or not this coverage may be appropriate for you.

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Qualifying for Benefits

Generally, one will need to demonstrate the loss of two or more Activities of Daily Living (ADL's) or suffer from severe cognitive impairment.  ADL's typically include:


Bathing

Eating

Dressing

Toileting

Walking

Continence

How we can Help

Long-term care policies can be complicated, and are generally more expensive than life and disability insurance.

Vetting the contract language and shopping the marketplace to find the most competitive rates are paramount in the long-term care environment. 

There are several factors to consider when reviewing LTC insurance, and considerations to be aware of when applying for coverage. 

Let us guide you through the application process, and know that we'll be there to help should you ever be unfortunate enough to need the coverage.