Long-Term Care Insurance to Help You Plan Ahead for Extended Care
Long-term care insurance helps cover the high cost of nursing homes, assisted living, or in-home care when you can no longer care for yourself. These are the kinds of expenses that health insurance and Medicare generally don’t pay for — and without a plan, they can drain your savings fast.

In Wisconsin, the average cost of a private nursing home room can top $100,000 a year. Whether you're planning for your own future or helping an aging parent, we’re here to walk you through long-term care insurance options that fit your goals and your budget.
What Does Long-Term Care Insurance Cover?
This type of policy helps pay for custodial care — the kind of ongoing, day-to-day assistance many people need later in life. That could mean:
- Skilled nursing home care
- Assisted living communities
- In-home help with cooking, bathing, dressing & other daily needs
- Adult day care or memory care services
- Care coordination or caregiver support
Coverage typically kicks in when you can no longer perform at least two Activities of Daily Living (ADLs) — like bathing, eating, or dressing — or if you develop a cognitive condition like dementia.
Why Long-Term Care Insurance Matters in Wisconsin
From Brookfield to Oconomowoc, many Wisconsin families are facing a similar challenge: How do we cover care costs for aging loved ones — or ourselves — without wiping out savings or relying entirely on Medicaid?
Here’s the reality:
- Medicare does not cover long-term care beyond short rehab stays
- Medicaid only steps in after you’ve spent down most of your assets
- The average annual cost of a nursing home in Wisconsin is over $110,000
- Most of us will need some form of long-term care in our lifetime
Long-term care insurance helps you prepare for that possibility with dignity, control, and a plan that protects your financial independence.
How These Policies Work
Policies are flexible and can be tailored to your needs. We’ll help you choose:
Benefit amount
Daily or monthly amount the policy will pay for care
Benefit period
How long the policy will pay (e.g., 3 years, 5 years, or unlimited)
Elimination period
Waiting period before benefits begin (usually 30–90 days)
Inflation protection
Helps your coverage keep pace with rising care costs over time
Some policies also include caregiver training, home modification benefits (like installing ramps or safety bars), and coordination services to help your family navigate care options
Hybrid Long-Term Care Options
If you’re not sure about buying a standalone policy, we can also explore life insurance with a long-term care rider or LTC-linked annuities. These hybrid products offer flexibility — if you don’t end up needing care, your family still receives a life insurance benefit. They’re a good fit for people who want coverage but worry about “losing” the money if they never use it.
When’s the Right Time to Buy Long-Term Care Insurance?
Most people start thinking seriously about this in their 50s or early 60s, when premiums are more affordable and health is more predictable. The older you are, the more expensive the coverage — and pre-existing health conditions can make it harder to qualify. That said, it’s never too late to explore your options.
Get Local Guidance Without the Sales Pressure
We’ll never push coverage you don’t need. Our goal is to help you understand what’s available, how much it costs, and whether it fits into your bigger picture. We work with individuals and couples across Milwaukee County and Waukesha County who are planning ahead and want to stay in control of their future care decisions.

Reach out today for a personal consultation — and remember, we offer a $25 gas card when you request a quote through our site.
Real Questions We Hear About Long-Term Care Insurance
Is long-term care insurance worth it?
For many, yes — especially if you want to protect your savings and avoid burdening family members. It’s about giving yourself more care options and flexibility down the road.
Does Medicare cover long-term care?
Not really. Medicare only covers short-term skilled nursing or rehab care — not long-term stays in a nursing home or in-home help with daily activities.
At what age should I buy long-term care insurance?
Many people apply in their mid-50s to early 60s, when premiums are more affordable and your health gives you more options.
What if I never use my policy?
Some policies offer return of premium features or can be combined with life insurance, so your investment isn’t lost even if you don’t need long-term care.
How much does long-term care insurance cost in Wisconsin?
It depends on your age, health, benefit amount, and inflation protection. We’ll help you estimate the cost and compare options — no pressure.