Long Term Care Calculator
LTCRplus membership features four core benefits:
1. LTC Funding – How will I pay for care?
Without insurance, the cost of long-term care can be devastating. That problem hasn't changed—but the solutions have.
LTCR has a qualified team of advisors who will help you find the best offers on the market. And with new options that can combine life insurance or annuities with your LTC plan, or pay out benefits even if you never require LTC services, they'll work hard to find the solution that's right for you.
2. LTC Navigation – How will I find quality care?
Trying to find high-quality medical personnel to provide long-term care to your loved ones may seem daunting.
LTCR will work with you to discover the type of care that's needed, and then create a personalized report with their top recommendations for the best care providers in your area. An LTCR concierge staff member will explain the findings to you in detail, making sure you're armed with all the facts.
And when the time comes, they'll also assist you in filing claims to make sure you maximize the policy benefits you're eligible for (even if you did not purchase your policy from them).
3. LTC Care Audit – How good is the care my family member is already receiving?
For an additional cost, LTCR will have a professional third-party specialist evaluate the quality of care currently being provided to a loved one either at a facility or at home. If you don’t live near your loved one, this is an invaluable service to ensure they are receiving the best available care. If the health care services do not meet LTCR's high standards, they will help you find something better.
4. LTC Legal – How do I prepare for legal issues arising from the aging process?
You'll gain online access to a legal organization that has prepared over 5 million legal documents. They will help you create legally-binding wills, medical directives, powers of attorney, and more. This can all be taken care of from the comfort of your own home.
As a member of APSIT, your first year of LTCRplus membership is absolutely free, with no strings attached. Your LTC Advisor will help you plan for a future that protects both you and your loved ones.
Frequently Asked Questions
Won't the Federal Government pay for my long-term care?
While many people think the federal government pays for long-term care expenses, individuals and their families pay many nursing home expenses out-of-pocket. Medicare, Medicare Supplement Insurance, and employer-provided major medical health insurance are not designed to pay for long-term care expenses.
What is the cost of waiting to purchase long-term care insurance?
If you’re thinking of waiting to purchase long-term care insurance coverage, consider the impact of waiting:
- Increases the risk of insurance ineligibility
- Decreases the overall time you're protected by long-term care insurance
- Can increase the overall cost of coverage, as premium rates increase with age
What is the cost of long-term care?
The cost of care for home healthcare services and facility care services varies from state to state. We'll work with you to find quality solutions that fit your budget.
Long-Term Care Resources (LTCR) is a national insurance agency and marketing company dedicated to long-term care insurance and the senior market. LTCR represents the top long-term care insurance companies in the industry.
LTCR is one of the leading independent long-term care distributors in the country. LTCR specializes in marketing long-term care insurance through partnering with organizations such as professional associations, alumni groups, and small businesses. LTCR is the endorsed long-term care provider for over 650 affinity organizations. Founded in 1997, LTCR has helped over 650,000 affinity members with their long-term care planning needs.
Through LTCR’s marketing programs and national network of long-term care specialists, clients are able to compare multiple plans from the top carriers in the market. In addition, clients are able to obtain plans at discounted rates not available to the general public.