Meeting Your Long Term Goals

Whatever your Long Term Care Insurance needs, VANTREO can provide the right coverage for you. With over 20 years of LTC experience, our associates know how to create a custom coverage plan that fills all your needs. Feel secure with a smarter insurance.

What does it cover?

The policies VANTREO recommends for Long Term Care protection include benefits for Home Care, Assisted Living (including Alzheimer’s) and Skilled Nursing.  Benefits typically start after a waiting period of 30, 60, 90, 180 or 365 days.  The daily benefits payable can be for 3 years, 5 years or for Lifetime.  The minimum daily benefit Vantreo recommends is $100.00.  It is important to note that in California the average daily bed rate for a semi private skilled nursing room is at least $214.00 per day.  The waiting period, benefit period and daily benefit you select will affect what you ultimately pay for your Long Term Care Policy. 

Is it required?

Long Term Care insurance is not for everyone.  Whether or not you should purchase a policy depends on your health, income and assets.  If you are retired or plan to retire with less than $70,000 in assets (excluding you home and car) or your only income is Social Security or SSI benefits, you probably should not purchase a Long Term Care policy.  And, the premiums should be affordable, even if they increase 25%, without significantly changing your life style.

On the other hand, for those with significant assets to protect, insurance is usually the most cost effective way to protect those assets from the potentially devastating costs of a Long Term Care event.

What doesn't it cover?

A Long Term Care policy may exclude coverage for conditions resulting from illness or injuries covered by workers compensation or occupational disease laws, service in the armed forces, acts of war, attempted suicide or self-inflicted injuries, injuries resulting from alcoholism or drugs, injuries related to a felony or riot, Injury or care that has already been paid for by Medicare or another government program.  Other exclusions may apply depending upon the Long Term Care policy you purchase. 


Our associates have been providing clients with Long Term Care insurance solutions for more than 20 years.  We have established marketing relationships with all of the major Long term Care Insurance providers in the United States.  Whether it is individual, group, tax qualified, nontax qualified, deductible or nondeductible LTC, VANTREO will provide the right solutions to all of yourLTC concerns.

Discover the VANTREO difference.

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