Traditional long-term care
Coverage designed specifically to reimburse or pay eligible long-term care expenses, subject to policy terms.
Long-Term Care Insurance
Plan for care.
Protect your choices.
Understand how long-term care coverage may help pay for extended assistance at home or in a care setting while protecting savings and family.
Coverage overview
Protection built around your real needs.
Long-term care is assistance with everyday activities or supervision related to cognitive impairment. It is different from ordinary medical treatment and is not generally covered in full by standard health insurance or Medicare.
We compare available options and explain the differences clearly, so your decision is informed—not rushed.Why it matters
Understand the protection before you choose it.
Without a plan, extended care may place pressure on savings, retirement income, a spouse, or family caregivers. Planning earlier can provide more choices and may improve insurability and pricing.
When benefits may begin
Policies commonly use inability to perform a required number of activities of daily living or qualifying cognitive impairment, subject to certification and terms.
Where care is received
Coverage may address home care, adult day care, assisted living, memory care, and nursing facilities, depending on the contract.
Benefit structure
Daily or monthly limits, total benefit pools, benefit periods, reimbursement or indemnity designs, and elimination periods shape protection.
Underwriting and timing
Health history, cognitive screening, age, and carrier guidelines affect eligibility. Waiting until care is needed is generally too late to apply.
What Shale compares
Price matters. So does what you receive for it.
As an independent agency, we review suitable options available through the carriers we represent and explain the meaningful differences.
- ✓ Benefit amount, pool, and elimination period
- ✓ Home-care and facility eligibility
- ✓ Inflation options and premium structure
- ✓ Traditional versus hybrid guarantees and tradeoffs
Important decisions
Details that can change the value of a policy.
Available assets and income
Coverage should coordinate with resources that could reasonably be used for care without undermining other goals.
Family plan
Discuss who might provide care, where care would be preferred, and how responsibilities could affect family members.
Premium sustainability
Evaluate current cost, potential rate changes where permitted, benefit reductions, and available policy options.
Who we help
Designed for people with something important to protect.
Every recommendation begins with your goals, responsibilities, budget, and existing coverage.
- ✓ Individuals approaching retirement
- ✓ Couples protecting retirement assets and each other
- ✓ Families concerned about caregiving responsibilities
PERSONAL GUIDANCE