The cost of long-term care is one of the greatest financial risks facing retirees today. Whether you need care at home, in an assisted living facility, or a nursing home, the expenses can quickly erode a lifetime of savings. McBride Group helps individuals and families plan ahead with long-term care insurance solutions that protect your assets, preserve your independence, and give your loved ones peace of mind. As an independent broker, we compare multiple top-rated carriers to find the right fit for your needs and budget.
Did You Know?
Nearly 70% of Americans turning 65 today will need some form of long-term care during their lifetime. The national median cost of a private nursing home room exceeds $100,000 per year — and Medicare covers very little of it. Planning ahead with the right policy can make all the difference.
Coverage Options
Home Care
Coverage for professional care services provided in your own home — allowing you to maintain independence while receiving the help you need.
- Skilled Nursing Care
- Personal Care Assistance
- Homemaker Services
- Companion Care
- Physical & Occupational Therapy
- Speech Therapy
- Hospice Care at Home
- Respite Care for Family Caregivers
Assisted Living Facility
Benefits that cover the cost of residing in an assisted living community where daily support and medical oversight are available.
- Room & Board Coverage
- Personal Care Services
- Medication Management
- Meals & Housekeeping
- Social & Recreational Activities
- Transportation Assistance
- Memory Care Units
- 24-Hour Supervision
Nursing Home Care
Coverage for skilled nursing facility stays when a higher level of medical care and around-the-clock supervision is required.
- Skilled Nursing Services
- Rehabilitative Therapy
- Custodial Care
- Short-Term & Long-Term Stays
- Post-Hospitalization Recovery
- Wound Care & IV Therapy
- Respiratory Therapy
- Physician & Specialist Visits
Adult Day Care
Benefits for structured daytime programs that provide social engagement, health monitoring, and personal care in a community setting.
- Supervised Daytime Care
- Health Monitoring
- Therapeutic Activities
- Meals & Nutrition
- Transportation to/from Center
- Caregiver Respite
- Social Engagement Programs
- Cognitive Support Services
Hybrid Life / LTC Policies
Combine life insurance with long-term care benefits in a single policy — so your premium is never "wasted" if you don't need care.
- Life Insurance + LTC Rider
- Return of Premium Options
- Death Benefit if LTC Not Used
- Single Premium or Paid-Up Options
- Inflation Protection Available
- Asset-Based LTC Planning
- No Use-It-or-Lose-It Concern
- Simplified Underwriting Options
Short-Term Care Insurance
An affordable alternative to traditional LTC policies, covering care needs for up to one year — ideal for those who may not qualify for full LTC coverage.
- Coverage Up to 360 Days
- Home Care & Facility Benefits
- Easier Underwriting Requirements
- Bridge to Medicare Coverage
- Post-Hospitalization Recovery
- Affordable Premiums
- Flexible Benefit Periods
- Guaranteed Renewable Options
Why Choose McBride Group?
Independent Broker
We compare long-term care products from multiple top-rated carriers to find the right coverage and price for your age, health, and financial situation.
Plan Early, Save More
Premiums are significantly lower when you apply at a younger age and in good health. We help you understand the right time to act before costs rise.
Protect Your Assets
Long-term care costs can quickly deplete retirement savings. The right policy protects your estate and preserves your legacy for the people you love.
Don't wait until it's too late to plan.
Contact McBride Group today for a long-term care needs analysis. The earlier you plan, the more options you have — and the lower your premiums will be.
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