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  • Home
    • About Us
    • Refer a Friend
    • Charity Causes >
      • Dupage Health Coalition
      • Heart of a Veteran
    • Opportunities at ESG >
      • Work Where Work Matters - Join our Team
  • Solutions
    • HR Solutions >
      • ESG Advantage-Outsource HR
      • Employee GPS
      • Total Sum Strategy
      • HR & Benefits Review
      • Compliance Services >
        • Compliance Training Summaries
      • Payroll Services
    • Benefits Solutions >
      • Traditional Healthcare
      • Medical Share Plans
      • Group Benefits Insurance
      • Qualified Plan Options
      • Workplace Financial Wellness
      • Executive Benefits >
        • Life and Disability
        • Delta Dental
        • VSP Vision
      • Legal Services
      • HR & Benefits Review
      • Get a Benefits Quote
    • Business Solutions >
      • Business Financial Strategies
      • Tax Considerations of Healthcare
      • Total Sum Strategy
      • Business Insurance Quote
      • Consultant Services
  • Resources
    • Blog >
      • ESG Blog Signup
    • Employee Resources >
      • Workplace Financial Wellness
      • Women's Financial Wellness
      • Retirement Planning >
        • Annuities
      • WhyFit Wellness
      • Mortgage Services
  • Client Portal
  • Contact Us
    • Schedule Here
    • Service/Benefit Quote


Long Term Care Insurance

Long term care insurance covers expenses and services not covered by health insurance, Medicare, or Medicaid. Speak with one of our specialists about your options today.

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What is Long Term Care Insurance?

Long-term care insurance (LTC or LTCI), an insurance product that helps provide for the cost of long term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.

The Benefits of Long Term Care Insurance

Long-term care insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities. If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to seven days a week, 24 hours a day (up to the policy benefit maximum).

Other benefits of long-term care insurance:
  • Many individuals may feel uncomfortable relying on their children or family members for support, and find that long-term care insurance could help cover out-of-pocket expenses. Without long-term care insurance, the cost of providing these services may quickly deplete the savings of the individual and/or their family.
  • Premiums paid on a long-term care insurance product may be eligible for an income tax deduction. The amount of the deduction depends on the age of the covered person. Benefits paid from a long-term care contract are generally excluded from income.
  • Business deductions of premiums are determined by the type of business. Generally corporations paying premiums for an employee are 100% deductible if not included in employee's taxable income
Medicaid provides some of the benefits of long-term care insurance. A welfare program, Medicaid does provide medically necessary services for people with limited resources who need nursing home care but can stay at home with special community care services. However, Medicaid generally does not cover long-term care provided in a home setting or for assisted living. People who need long-term care often prefer care in the home or in a private room in an assisted living facility.

Contact us to learn more about the right long term care insurance for you.
(555) 555-5555
123 Sesame St.
Anytown, US 12345
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Long Term Care Quote
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We Help Service-Driven Businesses in the Following Industries:
Medical - Financial - Business - Home Care - Personal Care


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Employee Solutions Group​
Naperville, IL
(630) 707-7263
Click Here to Email Us
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