Local Long Term Care Insurance Broker
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Speak with one of our licensed Medicare insurance agents about your Medicare options.
Kansas: 913-232-2006 phone/text
Missouri: 816-542-7700 phone/text
What is Long-Term Care Insurance?
Long-term care (LTC) insurance helps cover the cost of care services when you’re no longer able to perform basic daily activities independently—such as bathing, dressing, or eating—due to aging, illness, or injury. It can pay for in-home care, assisted living, nursing home stays, and more.
LTC insurance fills a crucial gap not covered by most health insurance plans or Medicare.
Why Consider Long-Term Care Insurance?
Nearly 7 in 10 adults over age 65 will need some form of long-term care in their lifetime. Planning ahead helps you:
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✅ Protect Your Savings – Prevent out-of-pocket costs from draining your retirement.
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✅ Stay Independent – Get access to quality care on your own terms.
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✅ Support Loved Ones – Ease the emotional and financial burden on family members.
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✅ Customize Your Coverage – Choose the benefit period, care setting, and optional inflation protection.
Types of Long-Term Care Insurance
1. Traditional LTC Insurance
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Standalone coverage for long-term care expenses.
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Offers customizable benefit periods and payout amounts.
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No payout if you don’t use the coverage—similar to auto or home insurance.
2. Hybrid LTC Policies
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Combines life insurance or annuities with LTC benefits.
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If you never use the LTC benefits, your heirs receive a tax-free death benefit.
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Popular hybrid policies:
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John Hancock LifeCare – An indexed universal life policy with built-in LTC support.
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OneAmerica Asset Care – Whole life policy with LTC benefits and joint coverage for couples.
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What does Long-Term Care Insurance Cover?
✅ In-home care and personal assistance
✅ Skilled nursing care
✅ Assisted living facility stays
✅ Adult day care
✅ Nursing home costs
✅ Memory care and Alzheimer’s support
✅ Hospice and end-of-life services
✅ Care coordination services
Is Long-Term Care Insurance Right for You?
Consider Long-Term Care Insurance if you want to:
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Protect your retirement nest egg
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Stay in control of your care and independence
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Avoid burdening your spouse or children
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Plan ahead for healthcare costs with tax-advantaged solutions
Cost of Long-Term Care Insurance
Premiums depend on:
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Your age and health
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Type of policy (traditional or hybrid)
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Benefit amount and duration
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Inflation protection options
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Single or joint coverage
*Hybrid plans may allow you to pay with existing assets like CDs, annuities, or IRAs—offering flexible payment structures, including single-pay and 10-pay options.
Frequently Asked Questions (FAQ)
Q: Does Medicare pay for long-term care?
A: No, Medicare only covers short-term skilled care. LTC insurance helps cover long-term personal and custodial care needs.
Q: What’s the difference between traditional and hybrid LTC insurance?
A: Traditional LTC is standalone coverage; hybrid policies combine life insurance or annuities with LTC benefits, offering more flexibility and potential legacy benefits.
Q: Can I get coverage if I have health issues?
A: It depends. Hybrid LTC policies may have more lenient underwriting, but it’s best to apply while you’re in good health.
Q: Is LTC insurance tax-deductible?
A: In many cases, yes—especially for business owners or if you itemize deductions. Check with a tax advisor for your situation.
Long-Term Care Insurance Markets We Serve In Office or Home: Kansas
Johnson County, Kansas: De Soto, Edgerton, Fairway, Gardner, Lake Quivira, Leawood, Lenexa, Merriam, Mission, Mission Hills and Mission Woods, Olathe, Overland Park, Prairie Village, Roeland Park, Shawnee, Spring Hill, Westwood, & Westwood Hiils
Wyandotte County, Kansas: Bonner Springs, Edwardsville, & Kansas City
Leavenworth County, Kansas: Tonganoxie, Leavenworth, Fort Leavenworth, Easton, Lansing, Basehor, & Lindwood
Miami County, Kansas: Fontana, Louisburg, Osawatomie, Paola, & Spring Hill
Douglas County, Kansas: Baldwin City, Eudora, Lawrence, & LeCompton
Atchison County, Kansas: Atchison, Effingham, Huron, Lancaster, Muscotah
Doniphan County, Kansas: Bendena, Denton, Elwood, Highland, Leona & Severance, Wathena, & Whitecloud
Long-Term Care Insurance Markets We Serve In Office or Home: Missouri
Jackson County, Missouri: Blue Springs, Buckner, Grain Valley, Grandview, Greenwood, Independence, Kansas City, Lake Lotawana, Lake Tapawingo, Lee’s Summit, Levasy, Lone Jack, Oak Grove, Raytown, River Bend, Sibley, & Sugar Creek
Cass County, Missouri: Archie, Belton, Cleveland, Creighton, Drexel, East Lynne, Freeman, Garden City, Harrisonville, Lake Annette, Lake Winnebago, Lee's Summit (partially), Loch Lloyd, Peculiar, Pleasant Hill, Raymore, Strasburg, & West Line
Johnson County, Missouri: Centerview, Chilhowee, Holden, Kingsville, Knob Noster, Leeton, Warrensburg, & Whiteman AFB
Ray County, Missouri: Camden, Crystal Lakes, Elmira, Hardin, Henrietta, Lawson (partially), Orrick, Richmond, & Wood Heights
Platte County, Missouri: Camden Point, Dearborn, Edgerton, Farley, Houston Lake, Kansas City, Lake Waukomis, Northmoor, Parkville, Platte City, Platte Woods, Riverside, Tracy, & Weston
Ray County, Missouri: Camden, Crystal Lakes, Elmira, Hardin, Henrietta, Lawson (partially), Orrick, Richmond, & Wood Heights
Bates County, Missouri: Adrian, Amoret, Amsterdam, Butler, Foster, Hume, Rich Hill, & Rockville
Clinton County, Missouri: Cameron, Gower, Lathrop, Plattsburg, & Turney
Buchanan County, Missouri: Agency, De Kalb, Easton, Rushville, St. Joseph
DeKalb County, Missouri: Clarksdale, Maysville, Osborn, Stewartsville, Union Star, Weatherby
Andrew County, Missouri: Amazonia, Bolckow, Fillmore, Forbes, Savannah, & Watson
Holt County, Missouri: Craig, Fortescue, Mound City, Oregon, & Rulo
Nodaway County, Missouri: Barnard, Clearmont, Conception Junction, Graham, Maryville, & Pickering