Many Insurance companies try to scare people into buying this product by citing ominous statistics regarding the cost and frequency of the need for Long Term Care. These companies play upon your emotions to influence you in buying the product and the amount of coverage you may need. At Levin Insurance and Retirement Planning, we do not. Many people are scared away from Long Term Care Insurance because agents illustrate policies with very high premiums. We believe that it is you who should determine the cost by you deciding what premium you are willing and comfortable in using. We will help you design a plan to be within your guidelines.


We believe this product is right for some people and not for others. We believe in providing you information that will help you decide what is right for you.

Long Term Care Insurance is a product that can provide peace of mind. It is also a product that you may never need or use. Therefore, we believe in education regarding all aspects of these policies, but we also believe in talking with you about the areas in which you may save money.

What is Long Term Care Insurance?

Long term care is something you may need if you can no longer perform everyday tasks by yourself. For example, there may come a time when you need help getting dressed, eating or bathing. It also includes the kind of care you would need if you had a severe cognitive impairment like Alzheimer’s disease.  Long Term Care insurance covers:  home care, assisted living and nursing home coverage.  This can protect the assets you have worked so hard to build up and ensure they are not depleted due to a long term illness where care is needed.

The US Department of Health and Human Services reports that the total number of Americans needing long term care is expected to rise from 15 million in 2000 to 27 million in 2050, an increase of nearly 100 percent which is a staggering statistic.  Please read the brochure below to find out all the information you need on long term care.

Click here for a consumer guide to Long Term Care Insurance

Long term care is the type of care that you may need if you can no longer perform “activities of daily living” by yourself, such as eating, bathing or getting dressed.  It also includes the kind of care you would need if you had a severe cognitive impairment like Alzheimer’s disease.  Care can be received in a variety of settings, including your own home, assisted living facilities, adult day care centers or hospice facilities.

Long term care can be covered completely or in part by long term care insurance.  Most plans let you choose the amount of the coverage you want, as well as how and where you want to use your benefits.  A comprehensive plan includes benefits for all levels of care, custodial to skilled.

Why would I ever need Long Term Care?

The need for long term care usually arises from age or chronic illness, injury or disability. In fact, approximately 60% of us who reach age 65 will need long term care at some time in our lives. But it’s not just a retiree’s issue.

It can Happen at Any Age

Many people don’t realize that the need for long term care can strike at any time. Statistics show that 40% of people receiving long term care services are working age adults, between the ages of 18 and 64.  Would you be prepared for long term care, if you suddenly required it?

Long term care is not always administered in a nursing home.  In fact, more than 80% of all people receiving long term care assistance are not in nursing homes.