How Long-Term Care Insurance Protects Families from the Rising Cost of Care
Healthcare costs are rising — not just in hospitals, but in everyday support for aging parents or recovering loved ones. For many families, the sticker shock of long-term in-home care becomes overwhelming. That’s where Long-Term Care (LTC) insurance steps in.
The Reality of Rising Costs:
- In-home care costs in Georgia can range from $4,000–$8,000/month.
- Facility-based care often exceeds $90,000 annually.
- Even 20 hours/week of care adds up quickly over a year.
What LTC Insurance Covers:
- Assistance with daily living (bathing, dressing, eating)
- In-home nursing or caregiver services
- Memory care and post-surgical recovery
- Respite care for family caregivers
Why Affluent Families Still Need It:
Even those with resources are choosing LTC insurance to:
- Preserve savings and investments
- Prevent selling property to fund care
- Ensure multiple family members aren’t financially burdened
LuxeCare Living Advantage:
We work directly with your LTC provider to:
- Verify and apply coverage
- Handle billing
- Customize care plans that match your policy benefits
