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Mitigate Risk
Protect your assets from the unanticipated costs of long-term care
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
Pair with
Life Insurance Policy
Life Insurance Policy
Can provide for simplified account management, when part of your life insurance policy
Side-by-Side
Policy Comparison
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.
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Associated Products & Services
The following information may be provided by PNC Investments affiliates, including PNC Bank, PNC Private Bank℠ or PNC Institutional Asset Management®:
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 »
Important Legal Disclosures and Information
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Pricing & Fees. For a personalized insurance illustration, please contact PNC Investments.
This material is meant to educate and not to provide legal, tax, accounting or investment advice. PNC Investments and its affiliates and vendors do not provide legal, tax or accounting advice.
Important Investor Information: Brokerage and insurance products are:
Not FDIC Insured • Not Bank Guaranteed • Not A Deposit
Not Insured By Any Federal Government Agency • May Lose Value
Securities products and brokerage services as well as managed account advisory services to US based clients are offered by PNC Investments LLC, a registered broker-dealer and a registered investment adviser and Member FINRA and SIPC. Managed account advisory services for non-US based clients are offered by PNC Managed Account Solutions, Inc., a registered investment adviser. Annuities and other insurance products are offered through PNC Insurance Services, LLC, a licensed insurance agency.
PNC Investments, PNC Insurance Services and PNC Managed Account Solutions do not provide legal, tax, or accounting advice.
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View Important Information About Order Routing and Execution.
This document provides information on additional compensation that PNC Investments receives from certain mutual fund companies, 529 plan program managers and insurance companies.
This material does not constitute an offer or solicitation in any jurisdiction where or to any person to whom it would be unauthorized or unlawful to do so.
PNC Investments does not guarantee the performance of any investment. Investing results may vary. Investments may lose money. Diversification and asset allocation may not prevent a loss of investment.
PNC Investments LLC, PNC Insurance Services, LLC and PNC Bank, National Association are each affiliated with The PNC Financial Services Group, Inc.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC.
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