Long Term Care Insurance


Universal Insurance Solutions

Affordable, Customized Coverage for Life's Unexpected Turns.

Speak With a Knowledgeable Long Term Care Insurance Agent in Shrewsbury, MA Today


As costs continue to grow, Long Term Care is a growing concern for aging people. If you end up needing to stay in a nursing home or get in-home care due to mental or physical limitations, how will you pay for it? Health Insurance doesn’t cover these types of services. Long Term Care insurance policies are designed to help aging people avoid financial catastrophe in the event that they need extended care outside of standard medical facilities. Universal Insurance Solutions can help you decide if you need Long Term Care insurance, and if so, match you with a policy that meets your unique needs within your budget.

An LTC Policy Can Cover in-Home and Facility Care Costs That Aren’t Covered by Your Healthcare Insurance


Most LTC Policies offer benefits when you are unable to do at least two out of the six ADLs (Activities of Daily Living), or if you are suffering from cognitive impairment or dementia. The ADLs are:

  • Eating
  • Bathing
  • Getting Dressed
  • Using the Toilet
  • Transferring (in and out of bed/chairs)
  • Continence

Long Term Care insurance can cover the cost of care provided to you in your home, at a nursing home, at an assisted living facility, or in an adult daycare center.

Discuss Your Needs With a Professional Today


Want to learn more about Long Term Care insurance and compare policy options? Contact Universal Insurance solutions today and get the guidance you need to select the right coverage.

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