Coverage Details


Long Term Care Program

a service of d.b.a. Burling Insurance Group Long Term Care

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What is Long Term Care (LTC) and Long Term Care Insurance (LTCi)?

Long term care (LTC) combines a broad range of ongoing care for people with:

  • Prolonged physical illnesses

  • Limitations in Activities of Daily Living (ADLs): transferring, continence, toileting, bathing, dressing, and eating.

  • Cognitive disorders (such as Alzheimer’s disease)

There are three generally recognized types of long term care:

  • Skilled Care is daily nursing and rehabilitative care under the supervision of skilled medical personnel such as registered nurses or professional therapists.

  • Intermediate Care is the same as skilled care, except it requires only intermittent or occasional nursing and rehabilitative care.

  • Custodial Care helps you perform activities of daily living, preferably at home. 95% of all nursing care is custodial.

A comprehensive long term care insurance (LTCi) program covers a broad range of services including:

  • Home health care

  • Personal care

  • Homemaker services

  • Respite care

  • Care in an assisted living or local residential care facility

  • Nursing home care

  • Custodial care

  • Community-based care in an adult day care program

  • Hospice supplemental care

Obtain Your Own Long Term Care Policy as Soon as Possible:

Trust LTC Specialists recommend the purchase of an LTC plan now.


  • Certain health conditions raise insurance premiums or may result in declined coverage or higher premiums for coverage.

  • Market conditions influence the cost of inflation protection.

  • Availability of carriers and products in your state.


If you have any questions, you may contact us at:

Direct: 312-977-0024

Toll-free: 877-977-0125

Fax: 312-977-0128