Why Use SmarterSenior for Long-Term Care?
Protect Your Savings
Without LTC coverage, nursing home care can drain a lifetime of savings in just a few years.
Hybrid Policy Options
If you never need care, your family receives a death benefit. Hybrid policies eliminate the use-it-or-lose-it concern.
Best Rates Before 65
Premiums are significantly lower when you purchase in your late 50s to early 60s. Do not wait until health issues make you ineligible.
How It Works
Tell us your situation
Share your age, health, assets to protect, and the type of coverage you are considering.
Get matched with specialists
Licensed LTC specialists contact you within 48 hours to discuss traditional and hybrid options.
Choose freely
Review your options side by side with expert guidance. No pressure, no deadline.
Understanding Long-Term Care Costs
Did you know?
70% of Americans turning 65 today will need some form of long-term care at some point. Medicare covers only short-term skilled nursing after a hospital stay and does not cover custodial care.
Average Annual Care Costs in the US
Source: Genworth Cost of Care Survey 2023. Costs vary significantly by state.
Key Benefits to Look For in LTC Policies
- Inflation protection to keep pace with rising care costs (3% to 5% annually)
- Elimination period: how long you pay before benefits begin (typically 90 days)
- Daily or monthly benefit amounts that match local care costs
- Benefit period: how long benefits last (2 years, 3 years, or unlimited)
- Home care coverage so you can receive care in your own home
Frequently Asked Questions
What does long-term care insurance cover?
Long-term care insurance covers services such as nursing home care, assisted living facilities, memory care, adult day care, and in-home care when you need help with daily activities like bathing, dressing, or eating due to chronic illness, disability, or cognitive decline.
How much does nursing home care cost in the US?
The average cost of a private room in a nursing home in the US exceeds $90,000 per year. Assisted living averages around $54,000 per year. Without insurance, these costs can quickly deplete a lifetime of savings.
What is a hybrid long-term care policy?
A hybrid policy combines long-term care benefits with life insurance or an annuity. If you never need long-term care, your beneficiaries receive a death benefit. This addresses the concern of paying premiums for coverage you may never use.
Is the matching service really free?
Yes, completely free. SmarterSenior connects you with licensed long-term care specialists at no cost. You are never obligated to purchase anything.
What Our Seniors Say
“My father spent three years in a memory care facility. It cost our family everything. I got LTC insurance at 61 to make sure my children never face that situation.”
Margaret P.
61, Minneapolis MN
“The agent walked me through traditional versus hybrid policies. I chose a hybrid linked to a life insurance policy. Best financial decision I have made.”
Richard A.
64, San Diego CA
“I always thought LTC insurance was only for older people. My agent explained why 60 is actually the ideal age to buy. SmarterSenior found me a great rate.”
Nancy B.
60, Raleigh NC
SmarterSenior is a matching service, not an insurance company or provider. We do not sell, underwrite, or guarantee any insurance policy, financial product, or service. All products and services are offered by independent, licensed professionals.