Group Long-Term Care (LTC) Insurance
Group Long-Term Care (LTC) Insurance
Group long-term care insurance helps employees prepare for the cost of extended care later in life — support with daily living at home, in assisted living, or in a nursing facility — expenses that health insurance and Medicare largely don’t cover. Offered as a group benefit, LTC is a forward-looking perk that sets your benefits package apart and shows employees you’re invested in their long-term security. Covella helps Cincinnati employers add it across the tri-state.
Long-Term Care Insurance Benefits
What it covers
coverage for home care, assisted living, and nursing care · benefits triggered by needing help with activities of daily living · group rates and simplified underwriting versus individual policies.
Who needs it
employers wanting a differentiating, long-horizon benefit — especially those with a stable, experienced workforce.
Cost factors
group size, benefit design, and employee demographics.
Frequently asked questions
We’ve answered the most common questions to make choosing and managing your insurance easier and stress-free.
What does long-term care insurance actually cover?
The cost of extended personal care — at home or in a facility — when someone can no longer manage daily activities independently.
Why offer LTC as a group benefit?
Group access often means better rates and easier qualification than employees could get on their own.
Ready to talk? Send your resume to info@covellains.com or call (513) 489-6422.