Protect Your Family & Assets With Long-Term Care Insurance
Less Burden 🤍 Better Options 🤍 More Control
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What is Long-Term Care (LTC)?
LTC insurance is designed to cover the costs of long-term care—but what exactly does that mean? About 70% of us will need LTC, usually for three years, though Alzheimer’s care can extend beyond a decade. LTC provides essential support with daily activities as you age or navigate health challenges—things like bathing, dressing, memory care, and specialized medical support. It helps ensure you remain well-cared for, whether at home or in a community setting.
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How can you pay for LTC?
LTC is expensive—home care alone averages $78,000 per year—and Medicare and health insurance don’t cover it. Medicaid helps only if you have minimal assets, with limited care options. Most people pay out of pocket— rapidly depleting their savings—or use long-term care insurance (LTCi). Starting at $250/month, you can get meaningful LTCi benefits that grow over time to help keep up with rising care costs. Access these benefits whenever needed—today or decades from now. For many policies, you even get your investment back as an inheritance if you never need care.
Stars Discuss LTC
Check out this two-minute video from the insurer, Genworth. We’re not affiliated with them — we just think it's great.
Without LTC Insurance, Care is Hard
What if your spouse or adult kids had to drop everything to become your caregiver? Could they? Should they?
Fewer Options
Don't be forced to rely on Medicaid or your family.
Family Burden
Caregiving can be exhausting—physically and financially.
Financial Risk
LTC costs can drain your assets and legacy.
No calls. Just the follow-up you want.
Why Buy Insurance Now?
Lock In Your Health
One issue can make your health ineligible for coverage.
Protect Yourself Now
Activate insurance whenever care is needed—now or in decades.
Get the Lowest Cost Now
Costs increase every birthday. Most buy between ages 40-70.
Own Your Future
What if you had the power to choose your care—on your terms? LTC insurance gives you that freedom—whether it’s help at home or a private suite in a quality facility. Many see it as an act of love, protecting your family’s future while giving them the freedom to support you in the ways that work best. Planning ahead gives you more control—and less worry—for everyone involved.
LTCi Costs Less Than You Think
Protect your savings, your independence, and your family's peace of mind—without breaking the bank. Get an instant estimate.
LTCi Has Improved
Flexible
Use your benefits for care at home or in a facility.
Guarantees
Your premiums stay the same—no increases.
Refunds
Never need care? Get your money back as inheritance.
No calls. Just the follow-up you want.
Why Use Long Term What?
Long Term What? is led by Jesse Vickey. After graduating from Duke University, he began his career on Wall Street, helping organizations manage financial risk. Over the past three decades, he has founded three mission-driven companies focused on simplifying life’s challenges. Now, he brings that same commitment to LTCi. Insurance costs the same no matter where you buy it, so we aim to earn your business through engaging content, nerd-level LTCi expertise, and exceptional personal service.
Still Learning?
Check out our helpful, unboring posts.
Jesse Vickey
Jesse Vickey
Jesse Vickey
Jesse Vickey
For sources of stats on this page, see our posts on odds, costs, Medicaid, and benefits.