We Can Help You Determine Your Long-Term Care Insurance Need

We can help you…

1

Learn the cost of long-term care services

Costs may vary widely depending on where you live. We can show you the cost of long-term care services in your state.

2

Estimate what you might pay for a policy

Let us provide a rough idea of what you might pay for a basic policy. A licensed insurance agent will be able to provide a quote for a policy tailored to your specific needs.

Review the Cost of Care

Average Costs in Virginia
Home Health Care Per Hour Per Year
Home Health Aide $25.90 $59,259.20
Licensed Practical Nurse (LPN) $66.07 N/A
Registered Nurse $82.39 N/A
Assisted Living Facility Per Month Per Year
One Bedroom Unit $4,775.44 $57,305.28
Nursing Home Per Day Per Year
Semi-Private Room $236.46 $86,307.90
Private Room $268.27 $97,918.55

Annual cost for home health aide is based on services received 44 hours per week, 52 weeks per year. Annual cost for LPN and RN can be determined based on the actual number of hours services are required.

Source: Mutual of Omaha Insurance Company's Cost-of-Care Study conducted by LTCG, 2015; released April 2016
Source available upon request.

Estimate the cost of a Long-Term Care policy

Can I save on my premium?

We want to help you keep your premium payments as low as possible. 
Here are some ways you may be able to save.

Partner (both issued)

30%

30 percent saving when policies for you and your partner are issued under the same policy form.

Partner (one issued)

15%

15 percent savings if you are married but your partner does not purchase a policy.

Preferred

15%

15 percent savings for being in good health.

The best time to buy a policy

The best time to buy long-term care insurance is before you need it. Unfortunately, there’s no way to know when that might be. Here are two reasons to consider purchasing a policy now.

Your Age

The cost of long-term care insurance is based on your age when you purchase your policy. That means every year you wait, the cost could increase.

Your Health

Your ability to purchase a policy is based on your good health. While you may be healthy today, a change tomorrow could make you ineligible for coverage.