75% of people over age 65 will eventually need long-term care.

​Long-term Care is insurance that helps with medical and non-medical needs for those with a chronic illness or disability. It provides coverage in the event that your client may someday not be able to take care of themselves. Long-term Care insurance helps cover costs for care providers and support services.

​The national annual median cost for a private nursing room home is a staggering $104,137. It costs $91,454/year for a semi-private room. In-home health aides charge on average, $55,941/year. It will cost your client $56,697/year to be in an assisted living facility and an adult day care center can set them back $25,200/year.
 Mutual of Omaha Insurance Company's Cost-of-Care Study conducted by LTCG, 2018; released in April 2019
National Average Yearly Cost
for a Private Nursing Home Room
National Average Yearly Cost
for an In-Home Health Aide
National Average Yearly Cost
to be in an Assisted Living Facility

Medicare does not pay for non-skilled assistance
​and with daily living expenses. Medicare only pays for Long-term care if your client requires skilled services or rehabilitative care. ​

Typical LTCi Buyer
​

​Female, Caucasian, age 55 to 64

Married with adult children

Working in a white-collar profession; not yet retired

College educated

A homeowner with 11 or more years in current residence

Affluent, upper middle class 

A “planner” who is interested in financial issues

Family oriented

Knows someone who has needed LTC services

​Research oriented, online user, self-educated about LTCi
Source: Mutual of Omaha LTCi Consumer Study

LTC Partnership Training is required prior to submitting applications.
​
​Visit our Education & Training page for certification options.

Long-term Care Carriers We Represent