Group Long-Term Care
Help Employees Plan for Long-Term Care Costs.
Help Employees Prepare for What May Come Later
Long-term care can become a significant financial consideration for employees and their families. Traditional health insurance does not necessarily cover every type of extended care or assistance a person may need.
Group long-term care insurance may help eligible employees prepare for certain future care expenses while adding another layer to the employer's overall benefits package.
DiNicola Insurance Services can help employers explore available long-term care options and determine how they may fit their workforce, benefits strategy, and budget.
Coverage for Different Types of Care
Depending on the policy, long-term care insurance may provide benefits for qualifying care delivered in different settings. Covered services, benefit amounts, waiting periods, and eligibility requirements vary by insurer and plan.
Care at Home
Certain policies may provide benefits for qualifying home-based care or assistance, subject to the policy's eligibility requirements, limits, and definitions.
Community-Based Care
Depending on the plan, benefits may be available for certain adult day services, respite care, or other qualifying community-based care arrangements.
Residential Care
Some policies may provide benefits for qualifying care received in assisted living, skilled nursing, or other eligible residential care facilities.
A Benefit With Family in Mind
Long-term care needs can affect more than the person receiving care. Employees may also find themselves helping aging parents, spouses, or other family members navigate care decisions.
Offering access to long-term care coverage may give employees an additional way to prepare for future care needs and consider how those expenses could fit into their broader financial plans.
How DiNicola Can Help
We consider long-term care coverage as one part of the employer's broader benefits strategy and help organizations explore options that make sense for their workforce.
Review Your Workforce
We consider staffing, employee needs, existing benefits, and how long-term care coverage might fit the organization.
Explore Available Plans
We can help employers review available plan structures, carrier options, eligibility provisions, and benefit features.
Consider Your Budget
Employer-paid and voluntary approaches may provide different ways to make long-term care benefits available to employees.
Support Communication
Clear benefit information can help employees understand what a plan may cover, how eligibility works, and what options are available.
Other Employee Benefits
Long-term care insurance is one part of a broader employee benefits strategy. Explore additional options for your workforce.
Group Health Insurance
Employer-sponsored medical coverage can be an important part of a total compensation package.
Explore Benefit →Group Life Insurance
Group life insurance can add another layer of financial protection to an employee benefits package.
Explore Benefit →Group Short- & Long-Term Disability
Disability coverage can help replace a portion of income when an eligible employee cannot work because of a covered illness or injury.
Explore Benefit →401(k) Retirement Plans
Employer-sponsored retirement plans can give employees a structured way to save for the future.
Explore Benefit →Wellness Programs
Workplace wellness resources can support healthy habits, preventive care, and overall employee wellbeing.
Explore Benefit →This page provides general information about long-term care insurance. Coverage, eligibility, covered services, benefit triggers, elimination periods, benefit amounts, exclusions, premiums, portability, family eligibility, and other terms vary by insurer and policy. Tax treatment may also depend on the policy and individual circumstances. Employers and employees should consult appropriate legal, tax, financial, and benefits professionals regarding their specific situation.
Let's Talk About Your Employee Benefits
Tell us about your workforce, current benefits, and budget. We can help you explore long-term care coverage and other benefit options that fit your organization.