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Long Term Care Options

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Long Term Care refers to the need for assistance with one or more tasks of daily living – things like eating, dressing, toileting, bathing, taking medications, etc. – as the result of prolonged physical illness, disability, or cognitive impairment.  Because this assistance may be needed throughout the day, 365 days a year over a period of years, the burden on family members and/or the cost for paid assistance is high. And these costs are not covered by Medicare or most medical insurance plans.

Understanding your options and choosing a strategy to cover the potential costs of long term care is a complex decision with many options, such as:

  • A traditional Long Term Care Insurance policy
  • Long Term Care coverage under a life insurance policy or annuity
  • Long Term Care coverage limited to home care only (not in an assisted living or skilled care facility)
  • Long Term Care provided through a Continuing Care Retirement Community
  • Paying Long Term Care expenses out of pocket, through the sale of assets, or through a reverse mortgage

We believe managing this kind of risk is important to a client’s financial well-being, and therefore an important part of a comprehensive financial plan. Our Financial Advisors can help you understand your options and devise an appropriate strategy for dealing with your potential need for Long Term Care.

Learn more about Long Term Care risks and options. 

Information

Long Term Care Brochure >
Long Term Inquiry/Quote Request >

ltc 4 reasons

Other Resources

Long-term care insurance: Does the Federal plan have you covered?

Caring for an Aging Parent or Spouse

Long Term Disability vs. Long Term Care

Find the cost of Long Term Care Services where you live:
Cost of Care Across the U.S. >

Connect With GEBA

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Why GEBA

  • Our Investment Philosophy
  • Our Financial Planning Process
  • Meet the Team
  • Fees
  • Employment Opportunities

Services

  • Financial Planning
  • Investing
  • Investment Advisory Services
  • Getting Started

Risk Management

  • Long Term Care Options
  • Life Insurance
  • Other Insurance

Forms

  • Investment Forms
  • Social Security Forms

Resource Center

  • Calculators
  • Contact Us
  • Videos
  • It's Your Future: The GEBA Podcast

1362 Mellon Road, #100, Hanover, MD 21076 Tel: (410) 657-8060 or (800) 826-1126
Copyright © 2021 GEBA. Privacy Policy 

Securities are offered through Cape Securities, Inc. Member FINRA, SIPC  Investment Advisory Services are offered through Cape Investment Advisors, Inc. 1600 Pennsylvania Avenue, McDonough, GA 30253 Tel: (678) 583-1120 GEBA Financial Advisors are Registered Representatives of Cape Securities, Inc.

For information about our Financial Advisors, please visit Broker Check.