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Long-Term Care Insurance

Long-term care refers to the ongoing services and support needed by people who have chronic health conditions or disabilities. Long-term care coverage is often purchased as a rider on a traditional life insurance policy or as part of a hybrid life insurance policy that combines the benefits of life insurance and long-term care insurance. PNC Investments can help you find coverage to suit your personal situation.

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Key Features
Mitigate Risk

Protect your assets from the unanticipated costs of long-term care

Pair with
Life Insurance Policy

Can provide for simplified account management, when part of your life insurance policy

Side-by-Side
Policy Comparison

PNC Investments can assess your evolving needs, coverage and costs to help you make an appropriate selection


Overview

  • May be added to a life insurance policy as a rider[1]
  • May be accessed as part of a hybrid policy; certain life insurance or annuity policies include long-term care as a secondary benefit
  • Mitigate the risk of unanticipated expenses related to long-term care – this could include long-term care provided in a nursing home or assisted living facility, or home-based care
  • Though it may be hard to face the fact that health problems could result in a loss of independence, planning now can help to protect your assets in the event of an accident or medical situation
  • Two primary types of long-term care insurance:
    • Indemnity policies pay up to a fixed amount regardless of what you spend on long-term care
    • Reimbursement policies reimburse actual expenses for services received up to a fixed dollar amount on a per-day, per-week or per-month basis; choose the benefit amount when you purchase the policy

Long-Term Care Insurance


Let's look at three ways to protect your assets from the high costs of healthcare.

Find a PNC Location near you and stop by to see us.
 

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How PNC Investments Does Business

Learn how PNC Investments does business, including our qualifications, business practices, fee schedules, and options for how you can work with us by reviewing our Client Relationship Summary, Overview of Products and Services and more. View Details »