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Home > Products > Life-Insurance > Long-Term Care Insurance - Raleigh NC & Cary NC - Vic Fisher Insurance

Long-Term Care Insurance in Raleigh and Cary, NC

Personal and Financial Protection for the Long Term.

For most Americans, a traditional Life and Health Insurance package is enough to keep themselves and their families insured, but for many, additional coverage is required. At Vic Fisher Insurance, we offer extensive coverage options that can insure the care of those who need it most.

Long-Term Care Insurance (LTC) helps provide for the medical expenses of extended home health care or nursing home costs beyond a specified period. In general, individuals who require Long-Term Care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance.

The costs of Long-Term Care can be quite expensive, and are typically not covered under basic Health Insurance, Medicare, or Medicaid. Long-Term Care Insurance from Vic Fisher Insurance can protect your family’s financial future by providing valuable coverage benefits for costs associated with:

  • Home Care
  • Assisted Living
  • Adult Daycare
  • Hospice Care
  • Nursing Homes
  • Respite Care

Individuals looking to purchase Long-Term Care Insurance must meet certain conditions in order to qualify for benefits. Talk to an insurance professional with Vic Fisher Insurance to learn more about Long-Term Care Insurance and whether you should add it to your current policy.

What is long-term care and who needs it? 
Long-term care refers to a wide array of medical care, personal assistance and social support services for people who are physically or mentally unable to care for themselves for an extended period of time. Whether you need long-term care insurance depends on your age, health status, overall retirement goals, income and assets. 

A long-term care insurance policy covers any or all of the following types of services: 

  • Nursing home coverage 

  • Assisted living facility coverage 

  • Adult daycare center coverage 

  • Home health care coverage 

  • Personal care coverage 


Most policies pay a maximum daily benefit and a maximum lifetime benefit. Actual benefits are chosen at the time the policy is purchased.  

Purchasing a policy at a younger age typically means premiums are more affordable. While you may pay for a longer period of time, taking out a policy around age 50 allows you to enjoy the peace of mind in knowing that you are covered. 

How does long-term care insurance differ from disability insurance? 
Unlike a medical policy that will cover a limited number of days of recuperative time, a long-term policy will cover two years or more. Beyond that, disability insurance replaces only salary at the time of the injury but not the care. The policyholder will then have to pay out of pocket for any ongoing long-term care due to their accident or injury.  

In addition, Medicare should not be considered a resource for handling any substantial long-term care expenses. This program reimburses the insured for a maximum of 100 days, with the average repayment of expenses being a mere 28 days. 

Get Your Policy Today 
Give the team of experts at Vic Fisher Insurance a call at 919-851-4448 to discuss your long-term care plans and needs, and find a policy that will help you cover them.  

All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

Contact Us Today!
919-851-4448

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2703 Jones Franklin Road, Suite 103
Cary, NC 27518

Ph: 919-851-4448 | Fx: 919-851-4445
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