PROTECT YOUR FUTURE

We help families prepare early to safeguard health, independence, and financial security.

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LONG-TERM CARE LIFE SOLUTION

Long Term Care

Always Ready Solutions understands the cost of care and offers personalized strategies that protect both your assets and your dignity.

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Comprehensive Long-Term Care Protection

Safeguarding Your Health, Finances, and Independence While Reducing the Emotional and Financial Burden on Families

Protect Your Health

Long-term care planning ensures you receive proper support with daily living activities—whether at home, assisted living, or specialized facilities—so your health and comfort remain priorities.

Preserve Your Savings

Without planning, long-term care expenses can quickly deplete retirement funds. Insurance helps safeguard your income, assets, and legacy while reducing financial stress for your family.

Relieve Family Burden

Coverage reduces the emotional and financial strain on loved ones. It allows your family to focus on providing care, love, and support—not managing overwhelming expenses.

Secure Independence

Having a plan in place gives you more control and choices about your care, preserving independence and dignity while ensuring you’re prepared for life’s uncertainties.

Long-Term Care Planning – Local & Beyond

Planning for long-term care isn’t just about preparing for aging—it’s about preserving independence, protecting assets, and ensuring peace of mind—for you and your loved ones.

What Is Long-Term Care?

Long-term care refers to a wide range of supportive services that help individuals live safely and independently when daily tasks—like eating, bathing, or managing medication—become challenging. This care can be delivered in your home, through assisted-living, adult day care, or nursing facilities.

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Why Long Term Care Planning Matters

Understanding the Costs, Risks, and Benefits of Preparing Early

High Cost of Care

Long-term care is expensive, and most costs are not covered by Medicare. Medicaid helps only those with limited income and very few assets.

Most People Will Need It

Studies show nearly 70% of Americans over age 65 will need long-term care services during their lifetime, whether at home or in facilities.

Delaying Costs You

Waiting too long increases premiums and reduces eligibility. Planning early allows you to secure affordable coverage while protecting your assets.

What Long-Term Care Insurance May Cover

It is important to note that coverage may vary depending on the policy and provider.

Assistance with daily living activities, such as bathing, dressing, and eating.

Care provided in various settings, such as in-home care, nursing homes, or assisted living facilities.

Medical equipment and supplies needed to support daily living.

Skilled nursing care, such as wound care or physical therapy.

Respite care, which allows caregivers to take a break.

Cognitive impairment or memory care.

Transportation to medical appointments.

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Start your journey to affordable protection with a quick, personalized quote.

Frequently Asked Questions (Long-Term Care)

What is long-term care?

Long-term care includes services that help with activities of daily living such as bathing, dressing, eating, and medication management. Care can be provided at home, in assisted living, or in nursing facilities.

Does Medicare cover long-term care?

No. Medicare covers short-term skilled nursing or rehabilitation after a hospital stay, but it does not pay for most long-term custodial care needs.

How much does long-term care cost?

Costs vary depending on location and type of care. Nursing home costs can average over $7,000 per month, while assisted living and in-home care are often less but still significant.

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

The best time is usually in your 40s, 50s or early 60s – before health issues arise. Waiting longer increases premiums and may reduce eligibility.

Start Planning for Long-Term Care Today

Long-term care is one of the most important health and financial decisions you can make. For families, it’s not just about covering medical needs it’s about protecting independence, preserving savings, and ensuring dignity in the years ahead.