Long Term Care Insurance: Removes your biggest retirement worry.

Welcome to LTC Tree. Since 1999, we’ve been the number one source for objectively comparing all the blue-chip Long Term Care Insurance companies side-by-side. We provide Traditional as well as Hybrid Long Term Care Insurance quotes, rates, reviews, ratings and other cost information. Most importantly, we will help you save money and get the best deal on your Long Term Care Insurance purchase.

We start with the foundational concept that Long Term Care Insurance is like any insurance, you may buy the coverage and never even use it. We help our clients drill down to find the proper balance between too much and too little insurance.

Pro Tip: Truthfully, if you are in your 50’s or 60’s and have good health, if you wait a year or two to buy long term care insurance it won’t be a big deal on price. So take your time to do it right and most importantly, do it when you are ready. We’ll be here.

Why Buy Long Term Care Insurance?

Long Term Care Insurance is more than just ordinary retirement planning.  It removes your biggest retirement worry of having to earmark your nest egg for the uncertainty of needing long term care. You then can focus on enjoying the things in life that make you happy.

  • Harvard Magazine says that women are living an average of 79.0 years and men are living an average of 73.2 years. Advancements in medicine are prolonging life and increasing the chance a person will need long term health care.  More LTC statistics.

  • New England Journal of Medicine reports that about 51% of people 65 years and older will eventually need long term care services.

  • The Wall Street Journal states that a staggering 59% of seniors 85 and older have Alzheimer’s or some other form of dementia.  This is the number one reason for needing Long Term Care Services.

Longevity Increases Need for Long Term Care

Modern health technology is helping people live longer.  Therefore, this extended longevity is increasing the likelihood a person will need Long Term Care services at some point in their life.  In addition to Alzheimer’s and dementia, other degenerative diseases such as obesity, diabetes, stroke, cancer and Parkinson’s that can lead to one needing care.  Accidents from a fall such as a broken hip bone is the second leading cause of a long term care claim.

Long Term Care Insurance will help you pay for the cost of caring for those conditions so you will have peace of mind knowing you are protected if long term care were to happen to you.

What Does Long Term Care Insurance Do For You?

Your Long Term Care Insurance benefits can be used to pay for care in three main settings:

  1. Ensures you can stay in your home and receive Home Health Care
  2. Allows you to stay in the clean high-end Assisted Living Facilities
  3. If you must go, it Pays for the best Nursing Home money can buy

In fact, 51% of all LTC claims are paid for Home Health Care. This service is where an aide comes into your home to help with with your Activities of Daily Living as well as providing help with household services.  Buying Long Term Care Insurance will help ensure you will be able to stay in your own home to receive care.

 Hybrid or Traditional Long Term Care Quotes, Click the above link now to begin.

Hybrid or Traditional Long Term Care Quotes, click the above link now to begin.

Problem: High cost of needing Long Term Care could drain your life savings.

When planning, consider the high average annual cost of receiving Long Term Care:

  • Nursing Home –$108,408 or two years’ worth of paychecks for an average American.

  • Assisted Living Facility – $72,403, or the average annual mortgage payments of THREE houses.

  • Home Health Care – $75,211, or average tuition for a four year state college.

Solution: Plan with Long Term Care Insurance: Removes your biggest retirement worry.

The high cost of receiving Long Term Care can erode your nest egg that you have worked so hard to save.  The average stay in a nursing home is now 3.3 years.  That length of time adds up to an average cost of $357,746 per person or $715,492 for a married couple.  That high expense is figured at today’s costs and inflation will likely triple that cost in the next 30 years.  The plan will have inflation protection so your benefits do not lose purchasing power over time.

What if you could protect yourself from the greatest financial risk you will face in your retirement?  Having Long Term Care Insurance coverage can save your nest egg and your retirement.  Imagine how relaxed you’ll feel knowing that you planned ahead and now you and your family are protected.

LTC Tree’s assistance was invaluable in helping us decide which Long Term Care Insurance policy was best for us and review the hybrid long term care plans as well. They saved us money and providing peace of mind. -Steve M. from Charlotte, NC–May  2023  –>More Testimonials

Get your free Long Term Care Insurance quotes below.

Long Term Care Insurance: Removes your biggest retirement worry.

  • 1

    Maintain your independence.  It allows you receive Home Health Care in the comfort of your own home.

  • 2
    Protect your Nest Egg (IRA’s, 401K, CD’s, Stocks).  It will help you avoid depleting your investments, losing your home, and then receiving substandard care from a Medicaid-welfare nursing home.
  • 3

    Avoid being a burden on your family.  Purchasing a plan will prevent you from ever having to ask your kids or family to take care of you.