Long-Term Care

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What Exactly is Long-Term Care?
Do I really need it?

Long-Term Care Insurance

As you age, you may need help with things you’ve always been able to do yourself – shopping for groceries, fixing meals, cleaning the house. You may also need help with personal services, like bathing, dressing or taking medications. A long-term care insurance policy is designed to help you pay for these types of services.
The phrase “long-term care” refers to the help that people with chronic illnesses, disabilities or other conditions need on a daily basis over an extended period of time. The type of help needed can range from assistance with simple activities (such as bathing, dressing and eating) to skilled care that’s provided by nurses, therapists or other professionals. Employer-based health coverage will not pay for daily, extended care services. Medicare will cover a short stay in a nursing home, or a limited amount of at-home care, but only under very strict conditions. To help cover potential long-term care expenses, some people choose to buy long-term care insurance.

The long term care insurance industry continues to grow as the wave of baby boomers move into their “golden years.” This growth creates a need for more people looking for this important form of protection.

We offer plans for Long-Term Care

At Cline Insurance, we offer a wide range of Long Term Care products with the most recognized names in the insurance industry.

Benefits of Long-Term Care

Our policies offer a variety of built-in and optional benefits, making it easy to tailor a plan of coverage that's just right for you. Here are some of the most popular features.

Cash Benefit


Care Coordination


Waiver of Premium


Alternate Care


"Thank you for the excellent services you provide to my wife and I. We know that we can depend on you for prompt and accurate information.  You and your team have always been there when we needed you. And that's very comforting to know."

Rush & Judy B.


'You are obviously great at your job but beyond the job, you can tell that you truly care about the people you’re helping not just in making a sell.  You go above and beyond to help educate the client so that they feel comfortable in making the right decision for themselves without any pressure."

Lisa D


"I started with 'Cline Insurance' too many years ago to count!  I have been extremely pleased!  It is always easy to contact someone if I have any questions and they respond ASAP!  I certainly do recommend them to anyone in need of good insurance and a great agent!"

Emmie C.


Retirement Age?

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