Insurance
Long-Term Care Insurance in Missouri
Plan Ahead for the Care You May Need—Without Compromising Your Finances
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What Is Long-Term Care Insurance?
Long-term care insurance helps pay for extended care services that aren’t covered by Medicare or traditional health insurance. This includes nursing home care, assisted living, in-home care, and adult day services—all of which can become necessary as we age or face chronic health conditions.
If you want to protect your savings and maintain control over your care options, long-term care insurance can offer valuable peace of mind.
Why It’s Important
According to national data, 7 out of 10 people over age 65 will need some form of long-term care. And in Missouri, the average cost of nursing home care can exceed $90,000 per year.
Long-term care insurance helps:
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Cover the cost of extended or custodial care
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Protect your retirement savings and assets
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Replace lost wages if you can’t work
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Reduce the emotional and financial burden on family
It’s about staying independent longer—and being prepared if that changes.
What Does It Cover?
Depending on your policy, long-term care insurance can pay for:
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Skilled nursing facility stays
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Stroke
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In-home personal care or therapy
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Organ transplant
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Adult daycare or respite care
You choose the benefit amount, duration, and care options that fit your preferences and budget. Some policies also include inflation protection to help your benefits keep up with rising costs.
Clear Answers
At The Advocate Group, we understand the sensitive nature of long-term care planning. That’s why we offer honest conversations—not pressure—and help you evaluate all options, including hybrid policies or alternatives if needed.
We take the time to answer your questions, so you can make a confident, informed decision for yourself or a loved one.
Trusted Advice
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Talk With a Caring Professional Today
The best time to plan for long-term care is before you need it. Let us help you explore your options and find coverage that fits your goals.
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FAQs
Doesn’t Medicare cover long-term care?
Medicare may cover short-term skilled care, but it does not pay for most custodial or extended care services. That’s where long-term care insurance comes in.
When should I buy long-term care insurance?
The earlier, the better—ideally in your 50s or early 60s. Premiums are lower and your chances of qualifying are higher when you’re in good health.
What if I can’t afford a traditional policy?
We can help explore other options, like short-term care insurance or life insurance with long-term care riders.