Long-Term Care Insurance

PNC Investments can help you find coverage to suit your personal situation.

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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.

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

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