What is LTC (Long Term Care)?

Long-term care (LTC) refers to services that help people with chronic illnesses, disabilities, or age-related conditions perform everyday activities—like bathing, dressing, or eating. It can be provided at home, in assisted living, or in a nursing facility. Long-term care insurance helps cover these often high and unexpected costs, protecting your savings and giving you more care options.

Why do I need long-term care insurance?

Many people underestimate the cost of future care. Medicare doesn’t cover most long-term care services, and paying out-of-pocket can quickly drain retirement savings. LTC insurance helps ensure you or your loved ones receive quality care without placing a financial burden on your family.

How did you choose the top LTC providers in North Carolina?

We evaluate providers based on financial strength, plan flexibility, partnership eligibility (for Medicaid protection), customer service, and verified consumer reviews. We also review policy options specific to North Carolina to ensure you're getting the most relevant and reliable recommendations.

What’s the difference between traditional and hybrid LTC insurance?

Traditional LTC insurance covers long-term care needs only. Hybrid LTC insurance combines long-term care coverage with life insurance or an annuity—so if you don’t use the LTC benefits, your family may still receive a death benefit. Each has pros and cons depending on your goals and financial situation.

When is the best time to buy long-term care insurance?

Generally, the best time to buy is in your 50s or early 60s—before premiums rise or health issues limit your options. The earlier you apply, the more affordable your rates tend to be, and the more likely you’ll qualify for coverage.