Long-Term Care Insurance

Why Consider Long-Term Care Insurance?
The number of people using nursing facilities, alternative residential care places, or home care services is projected to increase from 15 million in 2000 to 27 million in 2050.1
The median annual cost for nursing home care in a semi-private room in Maryland is $98,368.2 While usage and costs continue to rise, the reality is that very few health insurance plans include the cost of long-term care.

Get the Information You Need to Make an Informed Decision.
Chances are you or someone in your immediate family will need long-term care, so it is important to plan for such an eventuality. Spending an hour of your time for a long-term care consultation will help you understand your options and how to prepare.
During your consultation, we will review:

  • Why many Americans don’t have long-term care coverage.
  • The types and various levels of care available.
  • What Medicare will and won’t pay.
  • What most Medigap insurance plans cover.
  • What to look for in a long-term care policy.
  • Your options for funding long-term care.

1 Long-Term Care Services in the United States: 2013 Overview, National Center for Health Statistics
2 Genworth.com, October 2014.


Not FDIC Insured | No Bank Guarantee | May Lose Value | Not Insured by any Federal Government Agency | Not a Bank Deposit

Securities and advisory services are offered through, and Financial Advisors and Consultants are registered with, LPL Financial, a registered investment advisor, member FINRA / SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Sandy Spring Wealth Management and Sandy Spring Bank are not registered broker/dealers and not affiliated with LPL Financial.

The LPL Financial Registered Representatives associated with this site may only discuss and /or transact securities business with residents of the following states: AR, AZ , CA, CO, CT, DC, DE, FL, GA, IA, IN, LA, MA, MD, ME, MI, MN, MO, MT,NC, NJ, NM, NY, OH, PA, SC, TN, TX, UT, VA, VT, WA, WI, WV.


Get Started Today

Schedule a free, no-obligation Long-Term Insurance consultation with us to review your insurance needs by completing the form below or calling us at 800-770-5417.