Long-Term Care Insurance

Who will care for you when you get older?

Long-term care (LTC) insurance is a contractual arrangement that pays a selected dollar amount per day for a selected period of time for skilled, intermediate, or custodial care in nursing homes and/or home healthcare.

Because Medicare and other forms of health insurance do not pay for custodial care, many residents of nursing homes have only three alternatives for paying their nursing home bills: their own assets, Medicaid, or long-term care insurance.

Long-term care refers to a range of medical and personal services that provide ongoing care for people with chronic disabilities who have lost the ability to live independently.

Who will care for you when you get older?

Insurance product guarantees are subject to the claims-paying ability of the issuing insurance company, and are subject to their terms and conditions.

Long Term Care coverage policies and provisions may not be available in all states. Approval may be subject to the terms and conditions of the insurance company.

Insurance products offered through Lucia Insurance Services, LLC (CA Insurance Lic. #0H40817). Lucia Insurance Services is licensed to offer insurance products such as life, disability, long-term care, and annuities. Lucia Insurance Services is under common ownership with Lucia Securities, LLC.

Financial Services

Go beyond long-term care

Not only do we work with some of the top insurance carriers when it comes to long-term care, but we also provide full-service financial planning and investing—and it’s easy to get started!

Request a quote today and you’ll have the option to sign up for your Personal Financial Dashboard, which will allow you to organize your financial life and get started with goal tracking, investment tracking, and secure document storage.

The benefits don’t end there. As a client of Lucia Capital Group, you’ll have access to a team of talented financial professionals, including your dedicated advisor, as well as a personalized financial plan tailored to your unique situation.

  • emoney_browser-mockup
  • emoney_goals-sample
  • emoney_investments
  • emoney_vault-sample
Your future. Managed.

Lucia Capital Group focuses on financial planning, retirement planning, and investing

At Lucia Capital Group, we strive to help families and individuals increase the probability of achieving their goals, attain peace of mind, and accomplish their life’s purpose by providing comprehensive financial advice, a team philosophy, and a process-driven investment strategy. We take pride in conducting financial planning with a Strategy First® approach, which is our way of saying that we focus on getting your financial strategy aligned, then we focus on building you a personalized portfolio designed to help meet your strategic goals.

Ray Lucia Jr. and Joe P. Lucia

Request a Quote for Long-Term Care Insurance

You could be qualified in as little as 30 minutes. Get started now!

Because you can’t predict who will require expensive care or what future costs might be, planning for future long-term care needs creates a big challenge for even the savviest investor. Request your no-obligation quote for long-term care insurance today.