Long-Term Care Insurance in Raleigh, NC
Planning for long-term care is one of the most important decisions you can make for yourself and your family. At Grimes Insurance Group, we understand the impact long-term care needs can have on families - both emotionally and financially. Our principal broker, John Grimes, holds the Certified in Long-Term Care (CLTC®) designation and has personal family experience with long-term care situations, giving him unique insight into helping clients plan for their future care needs.
Comprehensive Long-Term Care Coverage
Our long-term care insurance solutions can help protect your assets and provide for quality care:
- Traditional long-term care insurance
- Hybrid life insurance with LTC benefits
- Asset-based long-term care policies
- Short-term care insurance options
- Shared care benefits for couples
- Return of premium options
Understanding Long-Term Care Coverage
Home Health Care
Covers care in your own home, including skilled nursing care, physical therapy, and help with daily activities like bathing, dressing, and meal preparation.
Assisted Living Facilities
Provides coverage for care in assisted living facilities when you need help with daily activities while maintaining some independence.
Nursing Home Care
Covers skilled nursing care in a nursing home setting when more intensive care is needed, including 24-hour supervision and medical care.
Adult Day Care
Supports care in adult day care centers, providing respite for family caregivers while ensuring quality care and social interaction.
Why Choose Grimes Insurance for Long-Term Care Planning
- Certified Long-Term Care (CLTC®) expertise
- Personal family experience with long-term care situations
- Access to multiple A+ rated insurance carriers
- Comprehensive understanding of care options and costs
- Integration with overall financial and estate planning
- Compassionate guidance through the planning process
Important Policy Features to Consider
We help you understand key policy options:
- Benefit period options
- Daily or monthly benefit amounts
- Inflation protection choices
- Elimination period selections
- Shared care benefits for couples
- International coverage options
Long-Term Care Planning Tips
As your long-term care specialists, we recommend:
- Start planning early while premiums are more affordable
- Consider your family health history
- Understand local care costs and inflation factors
- Review all available policy types and options
- Include family members in the planning process
Understanding Long-Term Care Costs
Current average costs in North Carolina:
- Home Health Aide: $4,000-$5,000 monthly
- Assisted Living: $4,500-$6,000 monthly
- Nursing Home Care: $7,000-$9,000 monthly
- Adult Day Care: $1,500-$2,000 monthly
*Costs are approximate and may vary by location and level of care needed
Start Planning for Your Future Today
Contact Grimes Insurance Group for a confidential long-term care consultation. Our CLTC® certified specialist will help you understand your options and create a plan that protects both you and your family.
Contact Our Long-Term Care Specialist
John W. Grimes, Jr, CLTC®
Grimes Insurance Group, LLC
Raleigh, NC
Phone: 919.847.7534
Email: john@johngrimesinsurance.com
Member of Independent Insurance Agents of North Carolina (IIANC), Independent Insurance Agents of America (Big I), and Trusted Choice® Independent Insurance Agents