Long-Term Care Insurance

Long-term care isn’t just a medical issue—it’s a financial one. At F&T Insurance Agency, we help individuals and families across Massachusetts, Rhode Island, Connecticut, and New York prepare for the future with long-term care insurance that supports independence, dignity, and smart planning.

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Plan with Confidence

Long-Term Care Coverage That Supports You

Whether you’re planning ahead in Westport MA or exploring options for an aging parent in New York, we help you get long-term care insurance to cover real needs—like home care, assisted living, and nursing homes.

Home Care & Daily Assistance

Get help covering the cost of in-home care, from meal prep and medication support to full-time caregiving.

Nursing Home & Facility Coverage

Our nursing home coverage options help you pay for high-quality care in licensed facilities if living at home is no longer safe or possible.

Flexible Plan Options

From traditional policies to hybrid life/long-term care coverage, we offer assisted living insurance that balances flexibility with financial protection.

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Common Questions About Long-Term Care

  • When should I start thinking about long-term care insurance?

    Earlier is often better. Premiums are lower and options are broader when you start in your 40s or 50s—but we help at every age.

  • Does Medicare cover long-term care?

    Not fully. Medicare may cover short-term rehab, but not extended home care or nursing facility stays. That’s why separate insurance is so important.

  • Can I use benefits for in-home care?

    Yes. Most policies now include coverage for licensed in-home caregivers. We help you structure your benefits to fit your preferred living situation.

  • What if I never need long-term care?

    Some policies return a portion of unused premiums or combine coverage with life insurance. We’ll walk you through your options.

  • How do I get affordable long-term care insurance?

    We offer long-term care quotes MA clients can compare side-by-side—customized to your health, budget, and coverage goals.

Peace of Mind, Built In

Let’s Plan for Tomorrow

At F&T Insurance Agency, we make long-term care planning personal. We help you explore options, understand your risks, and prepare for the road ahead—so your future, and your family, are always in good hands.

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