Three Squares And A Star Management Group, LLC

Long Term Care Insurance

Because of the aging population and longevity, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home!

How Much Does LTC Cost?


  The United States New York Long Island
In-home care (44 hrs/week) $43,472 $48,620 $50,061
Assisted Living $38,220 $39,060 $45,600
Nursing Home $75,190 $116,800 $145,088

Question About Long Term Disability

  • Medicare
  • Medicaid
  • Self-insure
  • Family members
  • Long-term care insurance policy
  • Win the lottery
  • Nursing home
  • Assisted living
  • Home health aides and personal care attendants
  • Nurse and therapist visits
  • Homemaker services such as meals and laundry
  • Adult day care
  • Caregiver training
  • Respite care
  • Home modifications such as wheelchair ramps
  • Bed reservation
  • $10,000 death benefit
  • Choose a benefit between $4,500 and $12,000 per month.
  • Benefits will last for 3 years, 5 years or a lifetime.
  • Benefits usually start after 90 days of care.
  • Option to increase benefits 3-5% compounded each year.
  • Home care percentage is 100% of facility coverage.
  • Maintain independence.
  • Not a burden to family.
  • Stay in your house longer.
  • Protect you and your spouse’s retirement.
  • Pass your assets to your children or grandchildren, not the government.

Three Squares and a Star Management Group, LLC can customize a Long Term Care program for your or your organization. For further information please contact us at