Limited Long-Term Care Insurance — Utah

Limited Long-Term Care Insurance — Utah

If you want coverage for care needs without committing to the price tag of a full traditional LTC policy, a
Limited Long-Term Care policy can be a smart middle path. It’s designed to help with the kinds of
support many families end up needing — things like help with bathing or dressing at home, adult day services,
assisted-living, or nursing facility care — but for a defined benefit period and with tighter cost controls.

What “Limited” usually means

• Defined benefit period (e.g., a set number of months/years of coverage rather than “lifetime”).
• Daily or monthly benefit you choose up front to help pay for covered services.
• Care settings often include home health care, assisted living, adult day care, and nursing facilities.
• Elimination period (a short waiting period before benefits start) to keep premiums manageable.
• Optional add-ons such as inflation protection or caregiver training benefits, depending on the carrier.

Why Utah families look at it

• Budget control: More predictable premiums than many “open-ended” LTC designs.
• Right-sized protection: Many claims last a few years — a limited policy aims to cover that core window.
• Flexibility: Often pairs well with savings, HSA funds, or a life policy with an LTC/chronic-illness rider.
• Simpler underwriting (sometimes): Some carriers offer streamlined questions vs. full medicals.

How we help you compare options

1. Design your target: homecare first vs. facility emphasis, monthly benefit, and benefit period.
2. Shop Utah-approved carriers: we look for strong claims practices and straightforward policy language.
3. Show side-by-side illustrations: conservative vs. richer benefits so you can see trade-offs clearly.
4. Coordinate with your plan: how this fits with Medicare, savings, and estate/legacy goals.

Note: Exact eligibility, covered services, waiting periods, and riders vary by carrier and underwriting. We’ll walk you
through the fine print and tailor a design to your situation.