Unlike traditional health insurance, long-term care insurance is designed to offer financial support to pay for long-term care services.  Covering long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term Care Insurance starts when a client can no longer perform 2 of the 6 Activities of Daily Living. These include: eating, dressing, bathing, toileting, transferring, and maintaining continence.

Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with the activities of daily living. You can select a range of care options and benefits that allow you to get the services you need, where you need them.

If you are in poor health or already receiving long-term care services, you may not qualify for long-term care insurance as most individual policies require medical underwriting.

The available solutions for Long-Term Care are changing all of the time. The Advisors at Statera Financial will educated you on the latest and most cost effective solutions available.


Which fits your situation the best? A hybrid or a tradional policy. Ask us today at (781) 540-1733