Long-Term Care Insurance

Why Long-Term Care Coverage Matters

The cost of long-term care — whether in a nursing home, assisted living facility, or through in-home services — continues to rise every year. Many families are surprised to learn that Medicare and most health insurance plans do not cover these expenses.

Without a plan in place, the cost of long-term care can quickly deplete your savings and retirement income. That’s where long-term care insurance comes in — helping protect your assets, preserve your independence, and give your family peace of mind.

What Is Long-Term Care?

Long-term care provides assistance for people who can no longer perform everyday activities on their own due to chronic illness, disability, or cognitive impairment.

These activities — known as Activities of Daily Living (ADLs) — include:

• Bathing
• Dressing
• Eating
• Using the bathroom
• Transferring (getting in or out of bed or a chair)
• Continence

If you are unable to perform a certain number of these activities on your own, long-term care services may be needed — either temporarily or for an extended period of time.

What Does Long-Term Care Insurance Cover?

A long-term care policy can help pay for:

• 🏠 In-home care and caregiver assistance
• 🏡 Assisted living facilities
• 🏥 Nursing home care
• ❤️ Adult day care and respite services
• 💊 Care coordination and support services

Having this coverage in place ensures that you can choose the type and location of your care — without relying solely on family or government programs.

Do You Need Long-Term Care Insurance?

You may not need long-term care insurance if:

• You have very limited income and assets (Medicaid may cover your costs), or
• You have enough financial resources to pay for care out of pocket.

However, most people fall somewhere in between — and that’s where long-term care insurance can make a major difference.

You might consider purchasing long-term care insurance if:

• Your assets exceed $80,000, and
• Your annual income is at least $35,000, and
• You are between 40 and 84 years old and in reasonably good health.

Every situation is unique, so it’s important to discuss your options with an experienced agent who can help you find the right plan for your needs.

Benefits of Long-Term Care Insurance

✅ Protect Your Savings – Avoid using your retirement funds or home equity to pay for care.

✅ Preserve Independence – Choose where and how you receive care.

✅ Reduce Family Stress – Ease the emotional and financial burden on loved ones.

✅ Flexible Options – Choose coverage levels and benefits tailored to your needs and budget.

Why Choose Burgmann Insurance Group

At Burgmann Insurance Group, we understand that planning for long-term care isn’t easy — but it’s one of the most important steps you can take to secure your financial future.

Our local, independent team will:

• Explain your coverage options in plain language.
• Compare top-rated insurance companies.
• Help you design a plan that fits your family’s needs and financial goals.

With us, you’ll get personal guidance, not sales pressure.