Long-Term Care

The medical, social, and personal care services needed
by people who have lost their capacity to care for themselves
due to a chronic illness or condition.

Long-Term Care Insurance

Long-Term care addresses the need for a dependent person to receive the necessary assistance to live in a comfortable and dignified manner.  Family members may not be readily available or have the necessary skills needed to provide health related care.  A pre-planned source of funding for this assistance is one method used to address any shortcomings that families may have.  Long-term care and/or another combination or an annuity or life insurance with a long-term care rider may be this source.   

Types of care

Long-term care policies typically include health care as well as supportive services for tasks of "everyday living" such as housekeeping, household chores, and transportation.  Recipients of care may live in a nursing facility, assisted living or even at home.  Also, family caregivers often reach out for professional care services such as adult daycare and caregiver respite programs for temporary relief.  A long-term care policy will take care of all these services without relying on the families weekly earned income. 

Who buys it and why:

  • Preserve independence
  • Guarantee choice of care and cargivers
  • Stay at home as long as possible
  • PROTECT assets and standard of living
  • Avoid being a burden on family and friends
  • Leave more assets to family members, Church, school or other worthy causes
  • Peace of mind

Our Communities

Since 1922, we have proudly insured and protected the families and business's of Royersford, Limerick, Spring City, Phoenixville, Collegeville, Schwenksville, Pottstown, Skippack, Harleysville, Souderton, Lansdale, North Wales, Chalfont, New Britain, Norristown, King of Prussia, Blue Bell and our surrounding communities.