Individual Long Term Care

Did you know the average private pay rate for a semi-private room in a South Dakota nursing home in 2008 was $143 per day?¹ That is over $52,000 per year.

Long term care insurance lets you plan for the worst, with the option to have the best. With long term care insurance you can decide where you want to receive your care – at home, in an assisted living facility, in a nursing facility, at an adult day care center or in hospice facilities.

Long term care insurance can provide protection for you and your family against the potentially high costs of long term care, whether you need it tomorrow or many years in the future.  A partnership policy can also protect assests should Medicaid become involved in paying for care.

¹Source: South Dakota’s Long Term Care Partnership Program website