Planning for long-term care is about maintaining choices, protecting your financial resources, and preparing for life's unexpected changes.

What Does Medicare Cover?

Medicare may cover certain short-term skilled nursing facility care following a qualifying hospital stay, as well as eligible home health services, when specific requirements are met. These benefits are generally intended for medical or skilled care—not ongoing assistance with everyday activities.

What Doesn't Medicare Cover?

Medicare generally does not cover long-term custodial care, such as ongoing help with bathing, dressing, eating, or other activities of daily living when that is the primary care needed. This includes custodial care received at home, in assisted living facilities, or in nursing homes.

How Long-Term Care Insurance Can Help

Long-term care insurance can help pay for qualifying services, including in-home care, assisted living, and nursing facility care, depending on the policy. Coverage may help preserve your savings, provide greater flexibility in choosing care arrangements, and reduce the financial responsibilities placed on loved ones.

At Lewin & Gavino, we help individuals and couples explore traditional long-term care insurance and hybrid life insurance policies with long-term care benefits. As an independent insurance firm, we help you evaluate available options based on your needs, preferences, and budget.

Traditional and Hybrid Long-Term Care Insurance Options

Long-term care protection isn't one-size-fits-all. Traditional policies provide benefits for qualifying care needs, while hybrid policies combine life insurance with long-term care benefits.

If you own an existing permanent life insurance policy with accumulated cash value that you no longer need for its original purpose, you may have additional options. In certain circumstances, the value of an existing policy can be transferred into a qualifying hybrid life insurance and long-term care policy, potentially providing a new use for those funds.

We'll help you evaluate whether traditional coverage, a hybrid solution, or an existing policy review makes sense for your circumstances.