Long-Term Care Insurance – Protect Your Future with Confidence
Desert Insured offers personalized long-term care insurance plans to help cover the cost of assisted living, home care, or nursing facilities. Whether you’re planning ahead or caring for a loved one, we’ll guide you through your options to ensure you’re protected—physically, financially, and emotionally.
Get a Free Long-Term Care Insurance Quote Now!
Get a free LTC (Long-Term Care) insurance quote today and explore coverage options that fit your future needs and budget. Our team makes it easy to compare plans so you can prepare with confidence and peace of mind.
Your Long-Term Care Insurance Questions Answered
What is long-term care insurance?
Long-term care (LTC) insurance helps cover the cost of services like in-home care, assisted living, or nursing home care if you become unable to care for yourself due to age, illness, or disability.
Who needs long-term care insurance?
Anyone who wants to protect their savings and avoid burdening family members with caregiving costs should consider LTC insurance—especially if you’re in your 50s or older.
What does LTC insurance typically cover?
Most policies cover personal care services such as bathing, dressing, meal preparation, and mobility assistance, whether provided at home, in a facility, or through adult day care programs.
When is the best time to buy long-term care insurance?
The best time to buy is between ages 50 and 65, when premiums are lower and you’re more likely to qualify for coverage based on your health.
Can I use my long-term care benefits for home care?
Yes! Many LTC plans cover home-based care, giving you the flexibility to receive services in the comfort of your own home.
Is long-term care insurance affordable?
We offer a range of LTC plans to fit different needs and budgets. You can also explore options with shared benefits for couples or hybrid policies that combine life and LTC coverage.