Long-Term Care Insurance in Los Angeles
Most people will need some help with daily life as they get older. That care can be costly. Long-term care insurance helps pay for it, so your savings last longer.
We help families in Los Angeles and Sherman Oaks compare long-term care options and find a plan that makes sense.
What is long-term care?
Long-term care is help with everyday tasks over a long time. This can mean help with bathing, dressing, eating, or moving around. It can also mean care for memory loss.
Where can care happen?
Long-term care insurance can help pay for care in places like:
- Your own home, with a home health aide
- An adult day care center
- An assisted living community
- A nursing home
Doesn't Medicare pay for this?
Not for most long-term care. Medicare may pay for a short stay after a hospital visit. It does not pay for ongoing help with daily tasks. That is why many people look at long-term care insurance.
You can read what Medicare covers on Medicare.gov.
What kinds of plans are there?
- Traditional long-term care insurance: you pay a monthly price, and the plan pays for care if you need it.
- Hybrid life insurance with long-term care: a life insurance plan that can also pay for care. If you never need care, your family gets a death benefit.
When should I buy it?
Many people look at long-term care insurance in their 50s or early 60s. It is often easier to qualify when you are healthy. Prices are often lower when you are younger.
What does long-term care cost?
Care costs are high in California. A home health aide, assisted living, or a nursing home can cost thousands of dollars each month. Without coverage, families often pay from savings or sell assets.
A long-term care plan helps share that cost. It can help protect your savings and give your family more choices.
Here are real numbers. In 2024, the national median cost was $127,750 a year for a private nursing home room, $70,800 a year for assisted living, and $77,792 a year for a home health aide. That is from the Genworth and CareScout Cost of Care Survey. Costs in California are often higher.
How to choose a long-term care plan
When you compare plans, look at:
- Daily or monthly benefit: how much the plan pays
- Benefit period: how long the plan pays
- Waiting period: how many days before payments start
- Inflation protection: helps your benefit grow over time
- Where care can happen: home, assisted living or nursing home
Getting a long-term care insurance quote
Call us or fill out the quote form. We will ask your age, your health, and what kind of care you want covered. Then we show you real choices side by side.
Why work with Jeff Davis Insurance?
Long-term care plans are not one size fits all. We compare traditional and hybrid plans side by side and show you how each one would pay if you needed care at home or in a facility.
Request a free quote, send us a message, or call 310-704-4901.
Frequently asked questions
How much does long term care insurance cost?
The cost depends on your age, health, and how much coverage you want. We can get you a quote so you see real numbers for your situation.
What is a hybrid long-term care policy?
It is a life insurance policy that can also pay for long-term care. If you do not use it for care, it pays a death benefit to your family.
Can I be turned down?
Yes. Long-term care insurance asks health questions. Some health conditions can make it hard to qualify. That is one reason people apply sooner.
Does it cover care at home?
Many plans cover care at home. Check the plan details. We will point out what each plan covers.
Is long-term care insurance worth it?
It depends on your savings, your health, and your family. For many people, it protects their savings and gives them more care choices. We can help you weigh it.
What is an elimination period?
It is the waiting time before the plan starts paying, like 30 or 90 days. A longer wait often means a lower price.
Coverage is subject to insurer underwriting, approval and policy terms. A quote request does not bind coverage.