Member Benefits:
Long-Term Care Insurance

Long-Term Care Insurance (LTCI) offered by Gjurasic/Story Group, LLC

By Ken Story & Luke Gjurasic

As Americans live longer and more of us face the potential of needing to pay for our own care outside of the hospital, many are exploring the options available through a Long Term Care insurance policy.

What is Long Term Care Insurance?

Simply put, a Long Term Care (LTC) insurance policy pays for your care, outside of a hospital, resulting from a serious disability or illness. Exactly when it will pay, how much it will pay, who it will pay and where it will pay are important distinctions which separate one policy from another.

LTC insurance is a relatively new form of insurance. The first policy was written less than 40 years ago, but since that time we have seen a literal explosion in terms of the need for the care, the cost of care and the availability of quality insurance policies.

Initially designed to provide nursing home care only, now LTC policies offer the option of nursing home care, home health care and a number of "alternate" forms of care, including assisted living and residential care facilities. Policies that provide the full range of coverage are referred to as "comprehensive" or "integrated" policies. They typically provide coverage anywhere in the United States while a few extend worldwide.

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