Protect Your Future with Long Term Care Insurance
Health insurance and Medicare don’t cover everything. When it comes to extended care—such as nursing homes, assisted living, or in-home support—you could be left paying out of pocket. That’s where long term care insurance comes in.
At Legacy Partners Insurance, we help individuals and families in California prepare for the future with flexible, affordable long term care insurance plans. Whether you’re planning ahead or already approaching retirement, it’s never too early—or too late—to take control.
What Is Long Term Care Insurance?
Long term care insurance covers the cost of services that support daily living if you develop a chronic illness, disability, or cognitive condition such as Alzheimer’s. It typically helps pay for:
- Nursing home care
- Assisted living facilities
- In-home care (personal or medical)
- Adult day care
- Hospice or palliative services
If you’re wondering what is long term care insurance, think of it as a financial safety net for future care needs that health insurance doesn’t cover.
Why It Matters
According to the U.S. Department of Health and Human Services, 70% of people over age 65 will need long-term care at some point. Without insurance, those costs can be financially devastating—especially in California, where long-term care expenses are among the highest in the nation.
Long Term Care Insurance Cost
One of the most common questions is: How much is long term care insurance? The answer depends on factors like:
- Your age and health at the time of application
- The daily or monthly benefit amount
- Length of coverage (e.g., 2 years, 5 years, lifetime)
- Inflation protection and benefit increase riders
In general, the long term care insurance cost is lower when you purchase coverage at a younger age. That’s why planning early can save you thousands over time.
Estimated Annual Premiums
Long-Term Care Insurance Cost by Age
Premiums vary by provider, gender, health status, and policy features. We help you compare rates and customize your plan to fit your goals.
Age 50: $1,000 – $1,800
Age 60: $1,600 – $2,700
Age 70: $2,500 – $4,500
What Disqualifies You from Long-Term Care Insurance?
Not everyone qualifies for coverage. Here’s what disqualifies from long-term care insurance:
- Certain pre-existing conditions (e.g., dementia, Parkinson’s, cancer in recent years)
- Severe mobility issues or need for assistance with daily living at the time of application
- Cognitive impairments
- Past medical history that indicates high risk
We’ll guide you through eligibility requirements and help you explore options, including alternative plans if traditional long-term care coverage isn’t available.
Best Long Term Care Insurance Options
Legacy Partners Insurance works with some of the best long term care insurance companies in the country. Whether you’re looking for a traditional standalone plan or a hybrid policy that combines life insurance with long-term care benefits, we’ll help you evaluate:
- Carrier reputation and financial strength
- Benefit flexibility and payout structure
- Inflation protection
- Waiting periods and elimination periods
- Premium stability
Our goal is to match you with coverage that protects both your care and your savings.
Long Term Care Insurance in California – Your Future Deserves a Plan
The cost of care is rising. Don’t wait until a crisis forces a financial decision. With the right long term care insurance, you can age on your terms—confident, prepared, and supported.
Get a Free Long Term Care Insurance Quote Today
Interested in planning for the years ahead? Request your free long term care insurance quote today and speak with a licensed California agent at Legacy Partners Insurance. We’ll walk you through your options and make the process simple and stress-free.