Products & Services
Long-Term Care Insurance
Prepare for care with greater confidence.
Long-term care coverage can help address the financial impact of extended assistance caused by aging, illness, or injury. Thoughtful planning may protect both personal assets and family choices.
What long-term care insurance covers
Long-term care (LTC) insurance pays for services that health insurance and Medicare typically do not — extended assistance with activities of daily living (ADLs) such as bathing, dressing, eating, and mobility. Benefits can be used across a range of care settings depending on the policy.
Home Care
Licensed aides, skilled nursing visits, and homemaker services provided in the insured's own residence. The most preferred care setting for most people.
Assisted Living Facilities
Residential communities offering personal care, meals, and supervision for individuals who need support but not full-time skilled nursing.
Memory Care
Specialized facilities and programs for individuals with Alzheimer's disease or other forms of dementia requiring structured, secure environments.
Skilled Nursing Facilities
Around-the-clock nursing care for individuals with complex medical needs following hospitalization or during recovery from serious illness.
Adult Day Services
Structured daytime programs providing supervision, social engagement, and health services for individuals who live at home with family caregivers.
Hospice and Respite Care
End-of-life comfort care and temporary relief for family caregivers are covered under many comprehensive LTC policies.
Who this is for
Individuals in their 50s planning ahead
The optimal window to purchase LTC coverage is between ages 50 and 65 — premiums are lower, underwriting is easier, and the policy has time to accumulate value before it is needed.
Business owners protecting retirement assets
A prolonged care event can deplete decades of accumulated wealth in a matter of years. LTC insurance ring-fences retirement savings from that risk.
Executives with estate planning objectives
Hybrid life/LTC policies can serve dual purposes — providing a death benefit if care is never needed, and a care benefit if it is.
Employers offering executive benefits
Employer-paid LTC coverage for key employees is a tax-advantaged benefit that is highly valued and rarely offered by competitors.
How SilverStone helps
Long-term care planning involves more variables than most insurance decisions — benefit amounts, elimination periods, inflation protection, shared care riders, and hybrid structures. We work through each of these with you, compare carriers, and recommend a structure that fits your timeline, health profile, and financial goals.
Care cost analysis
We research current and projected care costs in your area and calculate the coverage amount needed to meaningfully offset those costs.
Policy structure comparison
We compare traditional LTC, hybrid life/LTC, and linked-benefit policies across A-rated carriers — including benefit periods, inflation riders, and elimination periods.
Underwriting coordination
We manage the application and health underwriting process, preparing you for what carriers will ask and advocating for favorable classification.
Ongoing review
We revisit coverage as health, family circumstances, and care cost trends evolve — and assist with benefit activation when the time comes.
The best time to plan for long-term care is before you need it.
Waiting until health changes occur can make coverage unavailable or unaffordable. A conversation with SilverStone takes 30 minutes and gives you a clear picture of your options while they are still open.
