The number of individuals that require home care, assisted living, or nursing home care continue to increase every year. Too often, these individuals are not financially prepared for the costs of the care they need. This is typically due to not understanding long-term care products and services so they never obtained a policy. With the average costs of long term care on the rise, the sooner you put a plan in place, the more secure your future will be.

Our specialized long-care team has over a decade experience in working complex cases. We'll be here every step to help you and your client find the best options for them with the right carrier and the right policy.

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But first, what is long-term care insurance? 


Long-term care insurance covers a wide range of services that typically are not covered by other medical or health insurance plans - specifically government programs. Medicare covers only short-term skilled nursing home care, and Medicaid will pay for your care only if your assets are very limited to qualify for the program (qualifications vary by state). There are also restrictions with these programs, such as not being able to choose which facility you obtain care. 

There are many misconceptions on long-term care insurance - most common is thinking that you will not need long-term care protection because your family will be there to take care of you. Depending on the level of care you need, they may not be able to. Illnesses such as Alzheimer's or severe dementia may require 24-hour care, making it near impossible for your family to provide no matter how much they want to. This is where the financial and emotional strain begins on not just the individual needing care, but the family that is attempting to to be the caregiver. 


Who needs long-term care insurance? 

A common misconception is that long-term care insurance is just for the elderly. In truth, anyone who has been in an accident of suffers from an illness may require around the clock care. Nearly 40% of individuals that receive long-term care are under age 65. As you get older, the odds you'll need long term care increases to over 70%. You should be considering long-term care insurance as part of your financial plans to help prepare for these costs.  

Long-term claims often begin with receiving home health care (71%) and many progress to higher, more expensive types of  care. The average claim lasts 3.9 years.  

There are three levels of care:

Skilled Care

Skilled care is provided daily, usually ordered by a physician, and involves a treatment plan. This is typically a short-term care, but can still have high expenses. 

Intermediate Care 

Similar to skilled care, but is not on a daily basis, such as seeing a physical therapist. 

Custodial Care

This care assists with daily activities like bathing, eating, dressing, using the bathroom, continence, and transferring (movement). This can range from in-home care a few days a week or 24-hour nursing care. 


 Average North Dakota Costs of Care1

Home Health Care Hourly Daily Monthly Annually National Annual Average
   Home Health Aide $27 $169 $5,148 $61,776 $50,336
   Other Homemaker Services $27 $169 $5,148 $61,776 $48,048
Adult Day Health Care        
   Average reported facility cost NA $112 $2,419 $29,029  $18,720
Assisted Living Facility        
   One Bedroom Unit NA $109 $3,315 $39,780 $48,000
Nursing Home          
   Semi-Private Room NA $363 $11,027 $132,320 $89,297
   Private Room NA $384 $11,690 $140,277 $100,375

1Based on 2018 Genworth Cost of Care Survey results for North Dakota


Use the Genworth Cost of Care Interactive Map (2018) to see the average costs in your area. Healthcare costs continue to increase each year, so the sooner you include long-term care insurance in your financial planning, the more prepared you will be. 


How do I get started?

At e4, we realize that traditional long-term care policies should not be assumed as "the best" just because they've been around so long. Not all cases are the same and most likely a traditional plan will not be the best match for what you truly need. Our specialized agents will guide you every step of the way to find the policy with flexibility and options that best fits your lifestyle and needs. Your future matters to us.

Life Happens is a nonprofit organization dedicated to helping Americans take personal financial responsibility through ownership of life insurance and related products, including disability and long-term care. Watch testimonials from those who have benefited from the protection of long term care insurance.  


Protecting My Assets

Avoid Becoming a Burden to My Family

Obtaining High Quality Care

Advantages of Buying Early

Theresa's story: A Burden Relieved

Barbara's story: A Peaceful and Dignified End

What if I'm not ready to get insurance? 

Purchasing any type of insurance is always a difficult choice. So many individuals do not understand it, therefore do not purchase. 

Living benefits can and do help people. There are many stories of individuals who have, and did not have living benefits when they needed them most. 


Stroke survivor shares his story about living benefits

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