Long-Term Care Insurance

Long-term care insurance is designed to provide coverage for care in a nursing home or at a residence that is not covered by Medicare. Three possible levels of care may be included: Skilled, Intermediate, or Custodial.

Coverage is not restricted to Medicare-covered services and you may choose what benefits are included in a policy. For higher premiums, additional benefits may be included.

Coverage is not standardized, so you must carefully compare policies. Also, premiums vary according to your age when you apply for a policy. Generally, as a person gets older, long-term care policies become more expensive.

Also, be sure to look at the underwriting restrictions when considering this type of policy. They can be severe.

800.390.3330
4215 Philips Farm Road
Suite 101-B
Columbia, MO 65201

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