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

Policy Comparison

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


  • 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®:

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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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 »