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
Long-Term Care Insurance FAQs
What does long-term care insurance cover?
Long-term care insurance helps pay for the kind of extended care that health insurance and Medicare generally don't, including home health care, assisted living, nursing home care, and adult day care. It's designed to protect both your savings and your family from the significant costs of long-term care.
How much does long-term care cost in North Carolina?
Costs here in North Carolina vary by the level of care you need. As a general guide, home health aides run roughly $4,000 to $5,000 a month, assisted living $4,500 to $6,000, and nursing home care $7,000 to $9,000. Planning ahead helps protect your retirement savings from these expenses.
When is the best time to buy long-term care insurance?
Generally in your 50s or early 60s, while premiums are more affordable and you're more likely to qualify based on your health. Waiting often means higher costs or fewer options. That said, the right timing depends on your situation, and we're glad to talk it through with you.
What are my long-term care insurance options?
Beyond traditional long-term care policies, there are hybrid life insurance policies that include long-term care benefits and asset-based options that provide both care coverage and a death benefit. Each works differently, and John Grimes, our CLTC® certified specialist, will help you understand which approach fits your goals.
Will Medicare cover my long-term care needs?
Medicare covers only limited, short-term skilled care, not the ongoing custodial care most people eventually need. That gap is exactly what long-term care insurance is designed to fill, so your family isn't left covering those costs out of pocket.
Why work with a local Raleigh agency for long-term care planning?
Long-term care planning is personal. Our principal broker, John Grimes, holds the Certified in Long-Term Care (CLTC®) designation and has walked through these decisions with his own family. As your local independent agency, we compare options from multiple A+ rated carriers and stay available to you and your family throughout the process. Schedule a confidential consultation whenever you're ready.