Call us: 703.961.8886
info@questinsurance.us
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Long-Term Care (LTC)

  • Group Medical
  • Group Dental
  • Group Vision
  • Life Insurance / Accidental Death and Dismemberment (AD&D)
  • Short-Term Disability (STD)
  • Long-Term Disability (LTD)
  • Long-Term Care (LTC)
  • Employee Assistance Program (EAP)
  • Travel Insurance
  • Pet Insurance
  • Section 125 Cafeteria Plan
  • Consolidated Omnibus Budget Reconciliation Act (COBRA)
  • Legal Services
  • Qualified Retirement Plan
  • Travel insurance
Home Group Benefits Long-Term Care (LTC)
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Long-Term Care (LTC)

woman with her elderly mother

Long-term care provides the assistance a person may need during retirement age with the basic activities of daily living – eating, bathing, dressing, transferring, toileting, and continence. It can also include supervision needed to protect a person’s health and safety. The need for long term care may develop from things such as an accident, illness, stroke, advanced age or other chronic condition such as Alzheimer’s, dementia or Parkinson’s disease. Long term care consists mainly of personal care not medical care, personal care is not covered by a health plan.

FAQ'S

What is Long-Term Care?

This is NOT a long-term disability. LTC comes into play when an individual loses 2 out of 6 activities of daily living (ADL). The policy will pay a set amount, predetermined by the amount of benefits purchased.

Can the benefit be paid to assist with home health care or does it have to be in a nursing home?

LTC can pay a predetermined amount for home health care or for care in a nursing home. These amounts can be the same, but typically, home care is a lower benefit than nursing home benefits.

How much does Long-Term Care coverage cost the employer?

The group premium is predicated on the composition of the group (age and gender). The premium is tax deductible to the employer and the benefit is tax-free to the employee.

Can the employee take the coverage when they leave?

Yes. Upon termination of employment, the employee can continue coverage by simply paying the premium directly to the provider

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Click on the coverage to learn more.

Group Medical

Group Dental

Group Vision

Life Insurance

Accidental Death and Dismemberment (AD&D)

Short-Term Disability (STD)

Long-Term Disability (LTD)

Long-Term Care (LTC)

Employee Assistance Program (EAP)

Pet Insurance

Section 125 Cafeteria Plan

Legal Services

Consolidated Omnibus Budget Reconciliation Act (COBRA)

Qualified Retirement Plan

Travel Insurance

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CONTACT US

Address

4433 Brookfield Corporate Drive, Suite A, Chantilly, VA 20151

Phone Number

Phone: 703.961.8886
Fax: 703.961.8887

Email Address

info@questinsurance.us

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Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail, or facsimile. No binder, insurance policy, change, addition, and/or deletion to Insurance coverage go into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at 703-961-8886 to discuss specific coverage details and your insurance needs.All coverages are available in the state provided on the proposal. No other state will be covered unless shown. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.
  • About Us
  • Group Benefits
    • Group Medical
    • Group Dental
    • Group Vision
    • Short-Term Disability (STD)
    • Life Insurance / Accidental Death and Dismemberment (AD&D)
    • Long-Term Disability (LTD)
    • Long-Term Care (LTC)
    • Employee Assistance Program (EAP)
    • Travel Insurance
    • Pet Insurance
    • Section 125 Cafeteria Plan
    • Legal Services
    • Consolidated Omnibus Budget Reconciliation Act (COBRA)
    • Qualified Retirement Plan
  • Individual Insurance
    • Individual Health Insurance
    • Individual Dental Insurance
    • Individual Vision Insurance
    • Individual Life Insurance
      • Term Life Insurance
      • Universal Life Insurance
      • Whole Life Insurance
  • Commercial
    • General Liability
      • Pollution
      • Volunteer Coverage
    • Property
    • Professional Liability
    • Workers Compensation
    • Commercial Automobile
      • Garage Keepers
    • Commercial Umbrella
    • Crime
    • Management Liability
      • Directors & Officers Liability
      • Fiduciary Liability
      • Employment Practices Liability
      • ERISA Bond
    • Cyber Liability
    • Constrution Related Coverage
      • Inland Marine
      • Builders Risk
      • Bond
    • Travel Insurances
    • Sports / Travel Related Coverage
      • Amateur Sports / Health & Fitness
  • Auto . Home . Renters
    • Auto Insurance
    • Motorcycle Insurance
    • Homeowners’ Insurance
    • Dwelling Fire/Landlord
    • Renters
    • Condo Unit Owners
    • Builders Risk Insurance
    • Umbrella
    • Travel Insurance
    • Boat
    • Personal Articles Floater
    • Wedding/Special Event Coverage
  • Blog
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