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Home > The Intelligent Choice for Long Term Care Insurance in North Carolina

Long-Term Care Insurance


Long-Term Care Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Long-Term Care Insurance Form

Long-Term Care Insurance Information



Understanding Long-Term Care: Planning for the Future

Long-term care refers to a range of services and support for individuals who require assistance with daily living activities due to age, illness, or disability.


What is Long-Term Care?

  • Activities of Daily Living (ADLs): These essential daily tasks include:
    • Bathing
    • Dressing
    • Eating
    • Toileting
    • Transferring (getting in and out of bed or a chair)
    • Continence
  • Need for Long-Term Care: Generally, individuals who require assistance with two or more ADLs or have significant cognitive impairment may need long-term care.


Types of Long-Term Care:

  • Home-Based Care:
    • In-home care provided by family members, friends, or professional caregivers.
    • Home health aides, nurses, and therapists may provide medical and personal care assistance.
  • Community-Based Care:
    • Adult day care centers provide social interaction, meals, and some assistance.
    • Assisted living facilities offer a supportive living environment with varying levels of assistance.
  • Nursing Home Care: Provides 24/7 medical and personal care in a skilled nursing facility.


Important Distinctions:

  • Custodial Care vs. Skilled Care:
    • Custodial Care: Assistance with ADLs (e.g., bathing, dressing, eating). Typically not covered by Medicare or most private health insurance.
    • Skilled Care: Medical care provided by skilled professionals (e.g., nurses, therapists). May be covered by Medicare and some private health insurance.


Planning for Long-Term Care:

  • Assess your needs and preferences: Consider your current and future care needs, living preferences, and financial resources.
  • Explore long-term care options: Research different care settings and services available in your community.
  • Consider long-term care insurance: Explore long-term care insurance options to help cover the costs of future care.
  • Consult with financial and legal professionals: Seek guidance from financial advisors, estate planning attorneys, and elder law specialists.


Long-term care planning is crucial for ensuring your well-being and financial security as you age.

By understanding your options and making informed decisions, you can prepare for the future with confidence.

Contact us today!

910-223-3066

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Location Main Office
225 Green St.  Suite 900
Fayetteville, NC 28301

P: 910.223.3068
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