Long-term care is one of the greatest financial risks facing retirees today. Long-Term Care Insurance (LTC) provides the funds needed to pay for professional care when you can no longer perform daily activities on your own.

At Advanced Brokers, we help families in Carlsbad and throughout North County San Diego preserve their assets and ensure they have choices in where and how they receive care. We explore traditional LTC, hybrid life/LTC policies, and other innovative solutions to fit your specific needs.

What Long-Term Care Covers

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Home Healthcare

Pays for professional caregivers to help you with daily living activities (bathing, dressing, etc.) in the comfort of your own home.

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Assisted Living

Covers the cost of residential care facilities where you can live independently but have access to 24/7 support.

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Nursing Home Care

Provides coverage for high-level medical care and supervision in a skilled nursing facility if your health needs become complex.

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Memory Care

Specifically designed coverage for individuals with Alzheimer's, dementia, or other cognitive impairments requiring specialized settings.

Long-Term Care FAQ

When is the best time to buy LTC insurance? ▼

Ideally, in your mid-50s or early 60s. Applying while you are still healthy ensures the lowest premiums and the highest likelihood of qualifying for coverage.

Doesn't Medicare pay for long-term care? ▼

Medicare only pays for "skilled" care on a short-term basis (up to 100 days) for rehabilitation. It does NOT pay for the "custodial" care that most people need long-term.

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