Long-Term Care can be expensive and limited in what is covers. We have alternatives to long-term care that may make sense for you and your family. There are plans that not only cover expenses as long-term care needs arise, but your money will still be there for you and your heirs should you never need to use it for long-term care. By utilizing innovative and safe accounts we can help you create a long-term care plan that doesn't just take your money and give you nothing in return.


Most long-term care is provided at home by unpaid family members and friends. It can also be given in a facility such as a nursing home or in the community, for example, in an adult day care center, depending on a person's needs.

The most common type of long-term care is personal care—help with everyday activities, also called "activities of daily living or ADLs." These activities include bathing, dressing, grooming, using the toilet, eating, and transferring—for example, getting out of bed and into a chair.

The need for long-term care can arise suddenly, such as after a heart attack or stroke. Most often, however, it develops gradually, as people get older and frailer or as an illness or disability gets worse.

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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Penny Lane Financial and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual financial professional prior to implementation. Insurance products and services are offered through Penny Lane Financial LLC.