Long-Term Care Insurance

Long-Term Care Insurance can help protect you and your loved ones in the event that extended health care is needed. Long-Term Care Insurance can provide funds to help cover:

  • Daily activities such as bathing, eating, and dressing.
  • Skilled nursing care or rehabilitation training either in a nursing facility or at home.
  • Cognitive impairment such as Alzheimer's Disease.

Misconceptions about long-term care expenses:

  • Many people are under the impression that Medicare, Medicaid, or their health insurance will pay their long-term care costs. Medicare has eligibility requirements for skilled nursing care and is only for a limited time period.
  • Medicaid will not cover long-term health care costs for the average recipient.
  • Health insurance and medical supplements do not cover nursing home care.
  • Individuals and families through their savings, assets, and cash can afford long-term care costs. 

Our Long-Term Care Insurance options include:

  • NY State Partnership Plans
  • Traditional Plans
  • Single Premium Plans
  • Long-Term Care with Life Insurance
  • Life Insurance with Long-Term Care 

Meet our Certified Long-Term Care Specialist

Our Certified Estate Planner and Long-Term Care Specialist, Sheila Cervera, is available at no cost to assist you with your long-term care planning needs. As a specialist in asset protection and long-term care insurance, she can evaluate your unique situation and help you navigate through your planning process.

Click the link below to request an appointment.

Request Appointment


For more information or to obtain a free, no-obligation quote please call our team at 518-786-9905 or 888-250-6689 (toll free).