This page describes long-term care insurance, placed through Wolfepack Strategic Partners, an independent brokerage. Helps pay for extended personal care at home or in a care facility.
What long-term care insurance is
Long-term care insurance helps pay for extended personal care: help with bathing, dressing, eating, or supervision for cognitive impairment, whether at home, in assisted living, or in a nursing facility.
Standard health insurance generally does not cover extended custodial care of this kind.
Who it is generally for
People planning for the cost of extended care later in life who want help paying for that care.
What it generally addresses
- Care at home from a licensed provider
- Assisted living and memory care
- Nursing facility care
- Care coordination services, where the policy includes them
Scope notes
How this coverage is issued and priced, stated plainly. No rates are quoted on this site.
- Benefits begin after the policy's elimination period and once the insured meets the policy's benefit triggers, commonly needing help with a set number of daily living activities.
- Traditional long-term care policies and hybrid life or annuity policies with long-term care riders are structured differently. We explain the differences before any application.
- Premiums are set by the carrier based on age, health, and the benefits selected.
- Not all products are available in all states.
If you have a claim
If you have a claim, contact us and we help you reach the carrier's claims team.
Email Dwolfe@wolfepacksp.com or call [PHONE] (placeholder, pending). Have your policy number ready so we can direct you to the right place.
Talk to us about long-term care insurance
Tell us your situation and we explain the options in plain terms before any application. No pricing is quoted on this site.