Harris, Reed & Seiferth Insurance Group
  • Home
  • Quotes
    • Property >
      • Home Quote
      • Condo Quote
      • Mobile Home Quote
      • Renters Quote
      • Personal Vacant Property Quote
      • Landlords Quote
      • Flood Quote
      • Personal Inland Marine Quote
      • Personal Vacant Land Quote
      • Builder's Risk Quote
    • Vehicles >
      • Auto Quote
      • Motorcycle Quote
      • Snowmobile Quote
      • ATV Quote
      • Motor Home/RV Quote
      • Golf Cart Quote
      • Scooter Quote
      • Roadside Assistance Quote
    • Life >
      • Life Insurance Quote
    • Medical >
      • Health Quote
      • Dental Quote
      • Vision Quote
      • Critical Illness Quote
      • Disability Quote
      • Medicare Supplement Plan Quote
      • Long Term Care Quote
    • Business >
      • Business Quote
    • Specialty >
      • Boatowners Quote
      • Umbrella Quote
      • Travel Insurance Quote
      • Private Horse Owner Liability Quote
  • Products
    • Property >
      • Learn about Home Insurance
      • Learn about Condo Insurance
      • Learn about Renters Insurance
      • Learn about Mobile Home Insurance
      • Learn about Personal Inland Marine Insurance
      • Learn about Vacant Land (Personal)
      • Learn about Vacant Property
      • Learn about Flood Insurance
      • Learn about Builder's Risk Insurance
      • Learn about Landlords Insurance
    • Vehicles >
      • Learn about Auto Insurance
      • Learn about Classic Car Insurance
      • Learn about Motorcycle Insurance
      • Learn about Snowmobile Insurance
      • Learn about ATV Insurance
      • Learn about RV Insurance
      • Learn about Golf Cart Insurance
      • Learn about Scooter Insurance
      • Learn About Roadside Assistance Insurance
    • Life >
      • Learn about Life Insurance
      • Learn about Guaranteed Issue
    • Medical >
      • Learn about Health Insurance
      • Learn about Dental Insurance
      • Learn about Vision Insurance
      • Learn about Critical Illness Insurance
      • Learn about Disability Insurance
      • Learn about Long Term Care Insurance
      • Learn about Medicare Advantage Plans Insurance
    • Business >
      • Learn about Business Insurance
      • Learn about Commercial Marine Insurance
    • Specialty >
      • Learn about Boatowners Insurance
      • Learn about Aviation Insurance
      • Learn about Umbrella Insurance
      • Learn about Travel Insurance
      • Learn about Private Horse Owner Liability Insurance
  • Service
    • Report a Claim
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
  • Resources
    • Blog
    • Free Home Inventory Checklist
    • Free Disaster Preparedness Plan
    • Refer a Friend
  • About
    • Insurance Carriers
    • Accessibility Statement
    • Contact
  • Home
  • Quotes
    • Property >
      • Home Quote
      • Condo Quote
      • Mobile Home Quote
      • Renters Quote
      • Personal Vacant Property Quote
      • Landlords Quote
      • Flood Quote
      • Personal Inland Marine Quote
      • Personal Vacant Land Quote
      • Builder's Risk Quote
    • Vehicles >
      • Auto Quote
      • Motorcycle Quote
      • Snowmobile Quote
      • ATV Quote
      • Motor Home/RV Quote
      • Golf Cart Quote
      • Scooter Quote
      • Roadside Assistance Quote
    • Life >
      • Life Insurance Quote
    • Medical >
      • Health Quote
      • Dental Quote
      • Vision Quote
      • Critical Illness Quote
      • Disability Quote
      • Medicare Supplement Plan Quote
      • Long Term Care Quote
    • Business >
      • Business Quote
    • Specialty >
      • Boatowners Quote
      • Umbrella Quote
      • Travel Insurance Quote
      • Private Horse Owner Liability Quote
  • Products
    • Property >
      • Learn about Home Insurance
      • Learn about Condo Insurance
      • Learn about Renters Insurance
      • Learn about Mobile Home Insurance
      • Learn about Personal Inland Marine Insurance
      • Learn about Vacant Land (Personal)
      • Learn about Vacant Property
      • Learn about Flood Insurance
      • Learn about Builder's Risk Insurance
      • Learn about Landlords Insurance
    • Vehicles >
      • Learn about Auto Insurance
      • Learn about Classic Car Insurance
      • Learn about Motorcycle Insurance
      • Learn about Snowmobile Insurance
      • Learn about ATV Insurance
      • Learn about RV Insurance
      • Learn about Golf Cart Insurance
      • Learn about Scooter Insurance
      • Learn About Roadside Assistance Insurance
    • Life >
      • Learn about Life Insurance
      • Learn about Guaranteed Issue
    • Medical >
      • Learn about Health Insurance
      • Learn about Dental Insurance
      • Learn about Vision Insurance
      • Learn about Critical Illness Insurance
      • Learn about Disability Insurance
      • Learn about Long Term Care Insurance
      • Learn about Medicare Advantage Plans Insurance
    • Business >
      • Learn about Business Insurance
      • Learn about Commercial Marine Insurance
    • Specialty >
      • Learn about Boatowners Insurance
      • Learn about Aviation Insurance
      • Learn about Umbrella Insurance
      • Learn about Travel Insurance
      • Learn about Private Horse Owner Liability Insurance
  • Service
    • Report a Claim
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
  • Resources
    • Blog
    • Free Home Inventory Checklist
    • Free Disaster Preparedness Plan
    • Refer a Friend
  • About
    • Insurance Carriers
    • Accessibility Statement
    • Contact


Learn about Long Term Care Insurance

Long term care insurance covers expenses and services not covered by health insurance, Medicare, or Medicaid. Speak with one of our specialists about your options today.

get a quote

What is Long Term Care Insurance?

Long-term care insurance (LTC or LTCI), an insurance product that helps provide for the cost of long term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.

The Benefits of Long Term Care Insurance

Long-term care insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities. If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to seven days a week, 24 hours a day (up to the policy benefit maximum).

Other benefits of long-term care insurance:
  • Many individuals may feel uncomfortable relying on their children or family members for support, and find that long-term care insurance could help cover out-of-pocket expenses. Without long-term care insurance, the cost of providing these services may quickly deplete the savings of the individual and/or their family.
  • Premiums paid on a long-term care insurance product may be eligible for an income tax deduction. The amount of the deduction depends on the age of the covered person. Benefits paid from a long-term care contract are generally excluded from income.
  • Business deductions of premiums are determined by the type of business. Generally corporations paying premiums for an employee are 100% deductible if not included in employee's taxable income
Medicaid provides some of the benefits of long-term care insurance. A welfare program, Medicaid does provide medically necessary services for people with limited resources who need nursing home care but can stay at home with special community care services. However, Medicaid generally does not cover long-term care provided in a home setting or for assisted living. People who need long-term care often prefer care in the home or in a private room in an assisted living facility.

Contact us to learn more about the right long term care insurance for you.
Contact Us
Long Term Care Quote
Get a quote for long-term care insurance

Connect With Us

Contact Us

Click Here to Email Us

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us

Share This Page

Florida
6650 W. Indiantown Rd.
Jupiter, FL 33458


(561) 768-8176

Texas
11811 North Freeway, 
Houston, TX 77060

(713) 487-5538

Website by InsuranceSplash
© 2023 by HARRIS, REED & SEIFERTH INSURANCE GROUP, INC.