SMS Long-Term Care Department

Long-Term Care Insurance

Selling Long-Term Care insurance is not easy. To be successful you need a partner with the knowledge, experience and tools to help you to better serve your clients and differentiate yourself from the competition. Senior Market Sales is that partner.

Our Long-Term Care department is dedicated to helping you thrive by Making you more efficient, more knowledgeable and ultimately more profitable.

Learn more about our value-added services here.

Long-Term Care Options

Long-term care is comprised of a variety of services and supports to help meet an individual's health or personal care needs over an extended period of time. Because the insurance you're selling is designed to help pay for these services, you need to be able to define for your clients the differences between say a nursing home and home health care and what affect those differences might have on their finances and, more importantly, their family.

Below we've included a quick overview of some of terminology you should be familiar with if you're selling long-term care insurance. For more educational articles go to our articles archive.

Home Health Care

Home health care typically includes skilled, short-term services such as nursing, physical or other therapies ordered by a physician for a specific condition.
Learn More About Home Health Care Here

Nursing Home Care

Nursing homes, also called Skilled Nursing Facilities (SNF) or convalescent care facilities, provide a wide range of services, including nursing care, 24-hour supervision, assistance with Activities of Daily Living, and rehabilitation services such as physical, occupational, and speech therapy. Learn More about Nursing Home Care Here

Assisted Living

Assisted living is designed for people who want to live in a community setting and who need or expect to need help functioning, but who do not need as much care as they would receive at a nursing home. Learn More About Assisted Living Here

What is Partnership?

A Partnership qualified policy gives insureds the ability to keep a portion of their assets and still qualify for Medicaid to help pay for additional long-term care services once their LTCi is exhausted. Learn More About Partnership Here