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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.

 

Let's Talk — Fill out this simple form and a
PNC Investments professional will get in touch with you.

Contact Us

Associated Products & Services

The following information may be provided by PNC Investments affiliates, including PNC Bank, PNC Wealth Management® or PNC Institutional Asset Management®:

PNC Investments Advisor-Managed Accounts

Accounts managed on your behalf by a Registered Investment Advisor.

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Life Insurance

For many, life insurance is a critical component of an overall financial plan, and selecting the right amount of coverage and policy type can be a challenge. As with all investments, it’s important to monitor life insurance policies to ensure they’re helping you to achieve your financial goals. PNC Investments can provide you with a no-cost policy review to help confirm you’re receiving the best possible value.

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Individual Retirement Accounts (IRAs)

Using both an IRA and an employer-sponsored plan, such as a 401(k), provides the opportunity to invest more for your retirement.

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Related Resources


Important Legal Disclosures and Information

  1. 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, brokerage services and managed account advisory services are offered by PNC Investments LLC, a registered broker-dealer and a registered investment adviser and member FINRA, and SIPC. Annuities and other insurance products are offered through PNC Insurance Services, LLC, a licensed insurance agency.

View the PNC Investments Business Resiliency Planning Customer Disclosure.

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.

The PNC Financial Services Group, Inc. All rights reserved.