How long term care insurance works
- Covers out-of-pocket costs for care at home or in a facility when you can no longer care for yourself.
- Pays a monthly benefit after a waiting period if you can’t perform — typically two or more — “activities of daily living”.
- Supports your independence and quality of life, even if you become functionally dependent.
- Benefit amounts can differ depending on whether care is at home or in a facility.
- Your cost depends on the benefit amount and waiting (elimination) period you choose.
Is this right for you?
- Adults planning for retirement
- People who want to protect their savings and estate
- Families who want choice in a parent's care
Frequently asked questions
What are activities of daily living?
Everyday tasks such as bathing, dressing, eating, toileting, continence and moving from a bed or chair.
How it works
Talk to Brinder
Tell us about you and what you need — by phone, email or in person.
Compare options
We compare plans and explain the differences in plain language.
Get covered
We help you apply, then stay with you for renewals and claims.