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LTC
FOR
CALIFORNIA

Long Term Care Insurance personalized to your needs from companies you trust.
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What is Long Term Care? Long Term Care (LTC) is the assistance needed when a person is unable to manage their own personal care needs or when they need help with daily activities. This type of care is called custodial care and may be required due to a chronic illness or disability, but could also be from memory loss.

Will California state benefits provide for me if I need Long Term Care assistance? California is CONSIDERING a new AB567 bill to tax Californians to provide limited LTC benefits. Protecting your assets with a Life/LTC policy can be done with individual and/or group coverages, regardless if California decides to implement a tax.

Can I obtain my own LTC coverage? LTC policies have been available for many years. More advanced and creative policies (such as a Life/LTC Hybrid policy) now provide a broader solution for safeguarding retirement savings and asset protection.

Employer-sponsored group plans

Individual plans

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WHEN TO BUY LTC

Long-Term Care coverage offers more control over how you may live your life if you need assistance with the activities of daily living as a result of injury, aging, illness or cognitive impairment such as Alzheimer’s disease.

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