Contact Us: ​(310) 733-2390
Germani Insurance Services, Inc.
  • Home
  • Quotes
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Classic Car Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Error & Omission Quotes
      • Contractors Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Long Term Care Insurance Quote
      • Medicare Supplement Coverage Quote
      • Vision Insurance Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Annuity Quotes
      • Disability Insurance Quote
      • Final Expense Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Umbrella Insurance Quote
      • Travel Insurance Quote
      • Wedding Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Business >
      • Error & Omission Insurance
      • Contractors Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
    • Health >
      • Health Insurance
      • Critical Illness Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Medicare Supplement Coverage
      • Vision Insurance
    • Life/Financial >
      • Life Insurance
      • Annuities
      • Disability Insurance
      • Final Expense Insurance
      • Financial Planning
      • Umbrella Insurance
    • Property >
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Other >
      • Event Insurance
      • Travel Insurance
      • Wedding Insurance
  • About
    • Our Company
    • Refer a Friend
    • Client Testimonials
    • Insurance Carriers
    • Accessibility Statement
    • Agency Photo Gallery
    • Blog
    • News
  • Videos
    • Auto >
      • Auto Insurance Explained
      • Teen Driver FAQs
      • Selecting The Appropriate Liability Coverage
      • How to Save Money on Your Auto Insurance
      • Save Big on Maintenance with an Extended Warranty
      • What To Do If You're In An Accident
    • Home >
      • Homeowner Insurance FAQs
      • Renters Insurance FAQs
      • How Landlord Insurance Can Protect Your Property and Rental Income
      • Condo Insurance FAQs
      • The Importance of a Home Inventory Checklist
      • What's Not Included In A Standard Homeowner's Policy
      • How To Protect Your Most Treasured Possesions
      • Earthquake Insurance FAQs
      • How to Save Money on Your Homeowners Insurance
      • Should You Insure Your Home at Market Value, or Replacement Cost?
      • Flood Insurance Made Easy
    • Life/Financial >
      • How to Protect Your Family From Financial Hardship
      • Term vs Permanent Life Insurance
      • How Much Life Insurance Do You Need?
    • Other >
      • Bundle & Save
      • How Umbrella Insurance Can Protect You & Your Family
      • Do You Have Enough Umbrella Insurance
      • Protecting Yourself Against Identity Theft
      • The Value of Working with an Independent Insurance Agent
      • How Commercial Umbrella Insurance Can Protect Your Business
      • How Commercial Earthquake Insurance Can Protect Your Business
      • How Commercial Flood Insurance Can Protect Your Business
      • How Professional Liability Insurance Can Protect You From Costly Lawsuits
      • If Your Business Got Sued, Are Your Personal Assets at Risk?
      • Cyber Attack Protection
      • Employment Related Lawsuit Protection
      • Is your business income protected?
      • Does Your Business Need Hired and Non-Owned Commercial Vehicle Insurance?
  • Contact
  • Home
  • Quotes
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Classic Car Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Error & Omission Quotes
      • Contractors Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Long Term Care Insurance Quote
      • Medicare Supplement Coverage Quote
      • Vision Insurance Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Annuity Quotes
      • Disability Insurance Quote
      • Final Expense Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Umbrella Insurance Quote
      • Travel Insurance Quote
      • Wedding Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Business >
      • Error & Omission Insurance
      • Contractors Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
    • Health >
      • Health Insurance
      • Critical Illness Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Medicare Supplement Coverage
      • Vision Insurance
    • Life/Financial >
      • Life Insurance
      • Annuities
      • Disability Insurance
      • Final Expense Insurance
      • Financial Planning
      • Umbrella Insurance
    • Property >
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Other >
      • Event Insurance
      • Travel Insurance
      • Wedding Insurance
  • About
    • Our Company
    • Refer a Friend
    • Client Testimonials
    • Insurance Carriers
    • Accessibility Statement
    • Agency Photo Gallery
    • Blog
    • News
  • Videos
    • Auto >
      • Auto Insurance Explained
      • Teen Driver FAQs
      • Selecting The Appropriate Liability Coverage
      • How to Save Money on Your Auto Insurance
      • Save Big on Maintenance with an Extended Warranty
      • What To Do If You're In An Accident
    • Home >
      • Homeowner Insurance FAQs
      • Renters Insurance FAQs
      • How Landlord Insurance Can Protect Your Property and Rental Income
      • Condo Insurance FAQs
      • The Importance of a Home Inventory Checklist
      • What's Not Included In A Standard Homeowner's Policy
      • How To Protect Your Most Treasured Possesions
      • Earthquake Insurance FAQs
      • How to Save Money on Your Homeowners Insurance
      • Should You Insure Your Home at Market Value, or Replacement Cost?
      • Flood Insurance Made Easy
    • Life/Financial >
      • How to Protect Your Family From Financial Hardship
      • Term vs Permanent Life Insurance
      • How Much Life Insurance Do You Need?
    • Other >
      • Bundle & Save
      • How Umbrella Insurance Can Protect You & Your Family
      • Do You Have Enough Umbrella Insurance
      • Protecting Yourself Against Identity Theft
      • The Value of Working with an Independent Insurance Agent
      • How Commercial Umbrella Insurance Can Protect Your Business
      • How Commercial Earthquake Insurance Can Protect Your Business
      • How Commercial Flood Insurance Can Protect Your Business
      • How Professional Liability Insurance Can Protect You From Costly Lawsuits
      • If Your Business Got Sued, Are Your Personal Assets at Risk?
      • Cyber Attack Protection
      • Employment Related Lawsuit Protection
      • Is your business income protected?
      • Does Your Business Need Hired and Non-Owned Commercial Vehicle Insurance?
  • Contact


Long Term Care Insurance

Long term care insurance covers expenses and services not covered by health insurance, Medicare, or Medicaid. Speak with one of our specialists about your options today.

get a quote
Contact Us

What is Long Term Care Insurance?

Long-term care insurance (LTC or LTCI), an insurance product that helps provide for the cost of long term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.

The Benefits of Long Term Care Insurance

Long-term care insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities. If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to seven days a week, 24 hours a day (up to the policy benefit maximum).

Other benefits of long-term care insurance:
  • Many individuals may feel uncomfortable relying on their children or family members for support, and find that long-term care insurance could help cover out-of-pocket expenses. Without long-term care insurance, the cost of providing these services may quickly deplete the savings of the individual and/or their family.
  • Premiums paid on a long-term care insurance product may be eligible for an income tax deduction. The amount of the deduction depends on the age of the covered person. Benefits paid from a long-term care contract are generally excluded from income.
  • Business deductions of premiums are determined by the type of business. Generally corporations paying premiums for an employee are 100% deductible if not included in employee's taxable income
Medicaid provides some of the benefits of long-term care insurance. A welfare program, Medicaid does provide medically necessary services for people with limited resources who need nursing home care but can stay at home with special community care services. However, Medicaid generally does not cover long-term care provided in a home setting or for assisted living. People who need long-term care often prefer care in the home or in a private room in an assisted living facility.

Contact us to learn more about the right long term care insurance for you.
(310) 733-2390
3415 S Sepulveda Blvd
11th Floor
Los Angeles, CA 90034​
Click Here to Email Us
Long Term Care Quote
Get a quote for long-term care insurance

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Privacy Policy
Accessibility Statement
Agent Login

Connect With Us

Share This Page

Contact Us

Germani Insurance Services, Inc.
CA license # 0I43584
3415 S Sepulveda Blvd
​11th Floor
Los Angeles, CA 90034
(310) 733-2390​
Click Here to Email Us

Location

Website by InsuranceSplash