Benefit triggers
A policy often requires a specified level of assistance with activities of daily living or qualifying cognitive impairment.
Planning for life's care needs
Long-Term Care Education
Long-term care is about preparing for assistance with everyday activities or cognitive impairment. Learn how care settings, policy features, expenses and family decisions fit together before requesting a conversation.
Care at homeAssisted livingPolicy features
Understand the need
Care can affect the whole family
Long-term care planning goes beyond a nursing-home question. It may involve support at home, family caregivers, assisted living or other qualifying settings. Insurance benefits depend on contract terms and triggers.
- What assistance might be needed for bathing, dressing, eating and other daily activities?
- Could cognitive impairment affect the type of support needed?
- Who might provide care, and which care settings should be considered?
- What costs might a family need to fund through savings or qualifying coverage?
Learn policy terminology
Six important policy features—explained.
Different insurance arrangements may cover different care settings, with exclusions or waiting periods.
Elimination period
Many LTC contracts have a waiting period before qualifying benefits begin.
Benefit limits
Policies may set daily or monthly reimbursement limits and a maximum benefit pool.
Inflation protection
Options may increase the benefit limits over time to help address rising care expenses.
Traditional vs hybrid coverage
Standalone policies primarily address qualifying care needs; some life or annuity contracts offer LTC benefits.
Premium changes
Traditional LTC premiums may increase for a permitted class of insureds and are subject to applicable regulatory rules.
Learning lab
What happens when a hypothetical care expense increases?
This interactive illustration is not a long-term care quote or a forecast of local care prices.
Illustrative annual care budget
Change the assumptions to see how compounded increases affect an example annual cost.
Starting-cost benchmark Hypothetical growing expense
For educational illustration only. Figures are user-adjustable assumptions, not current market care costs, insurer projections or guarantees.
Interactive Long-Term Care Tool
What might the family need to cover?
Explore a fictional future care expense alongside an illustrative policy benefit limit and elimination period. See both the potential benefit and the remaining financial gap.
LTC COST & BENEFIT-GAP • EDUCATIONAL
Understand a hypothetical year of care
Adjust the assumptions to see why benefit limits and waiting periods matter.
Projected monthly care expense$9,348
Illustrative monthly benefit maximum$7,790
Illustrative first-year family expense gap$42,000
This calculation assumes 12 months of care and applies a simplified 30-day month during the waiting period.
Important: This is not an LTC insurance quote or a promise of benefits. The illustration assumes a 12-month care episode, flat monthly future care cost during that year, 30-day months and a waiting period rounded to whole months. Actual care may be priced daily, based on eligibility, approved services, reimbursement rules, calendar/service-day elimination definitions, remaining benefit pools, policy inflation features and contract exclusions. Premiums are not included.
Common questions
Explore more before the call
These concepts are only a starting point; policy specifics require review.
Does Medicare pay for all long-term care?
Medicare generally does not cover long-term custodial care. Coverage of certain medically necessary skilled services is limited and subject to conditions.
Are long-term care and chronic-illness riders the same?
Not necessarily. A rider accelerating a life policy's death benefit may have different qualification standards, limits and effects on the remaining death benefit.
Can I get an exact quote from Aurora?
No. Aurora does not have live carrier pricing, underwriting or policy-specific illustrations. An authorized professional should confirm availability and terms.
Keep exploring
More useful things to learn
Each option opens a different resource, rather than sending you straight to a booking form.