Guaranteed Long Term Care Benefit

A guaranteed long term care benefit provides financial coverage for extended care services if you become unable to perform daily activities due to illness, injury, or aging. This type of benefit ensures you have access to care such as:

– In-home care services
– Assisted living facilities
– Nursing home care
– Adult day care programs
– Memory care for conditions like Alzheimer’s or dementia

Unlike traditional long-term care insurance, guaranteed benefits are often built into hybrid life insurance or annuity products, ensuring that your investment will always provide value — whether through care benefits or a death benefit if care is never needed.

The cost of long-term care can quickly drain retirement savings. Without proper coverage, families may struggle to cover expenses that health insurance, Medicare, or Medicaid do not fully address. A guaranteed long term care benefit helps:

– Protect your retirement savings and assets
– Ensure access to quality care on your terms
– Reduce the financial and emotional burden on family members
– Provide peace of mind knowing care costs are covered
– Offer flexibility in how and where you receive care

Planning ahead allows you to focus on living well, knowing you’re prepared for whatever the future holds.

At The Shandro Group, we offer options that provide:

– Guaranteed benefits regardless of market performance
– Flexible care options including home care and facility care
– Lifetime or set-period coverage depending on your needs
– Hybrid policies that combine life insurance with long-term care benefits
– Return of premium options, ensuring your investment is never lost
– Simplified underwriting, often without extensive medical exams

These solutions ensure that whether you need care or not, your policy provides value either through care coverage or a legacy benefit.

This type of coverage is ideal for:

– Individuals planning for retirement who want to protect their assets
– Families with a history of chronic illness or conditions requiring extended care
– Those who prefer not to rely solely on Medicaid or family for care
– People seeking a more secure alternative to traditional long-term care insurance
– Anyone wanting predictable, guaranteed protection for future care needs

The earlier you plan, the more options and affordability you’ll have.