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Long-Term Care Coverage

Long-Term Care Coverage

The care you want, in the location you choose

  • Protect your assets
    Long-term care3 coverage can help you avoid spending a lifetime of savings on medical care.
  • Control your care
    You choose the facility or caregiver that's right for you and your family.
  • Enjoy home care
    May cover support staff such as a caregiver, therapist or private duty nurse up to 7 days a week, 24 hours a day.
  • Supplement Medicare coverage
    Medicare or health insurance may not pay for the kind of extended care you may need.

Maintain your independence and standard of living

Protect your assets by planning ahead

Help maintain all you've worked to achieve with long-term care coverage. More than five million Americans in their later years require assistance to be able to enjoy the comfort of living in their homes.1 Because Medicare often does not pay for the care they need, many receive help exclusively from family caregivers.

Fortunately, a life insurance policy that offers long-term care benefits may help you:

  • Stay in better control of your finances and protect more of your assets
  • Receive compensation for in-home care if recommended by your physician
  • Choose a nursing home or other facility you prefer

Quality care wherever you choose

Long-term care3 coverage may provide coverage for a visiting or live-in caregiver, housekeeper, therapist or private duty nurse up to 7 days a week, 24 hours a day.2

With this coverage you can control the quality of your care and choose where to receive it – even if your needs increase. The following services may be covered:

  • Assisted living services
  • Adult daycare
  • Respite care
  • Hospice care
  • Nursing home costs
  • Alzheimer's facilities.

 

Unexpected long-term illness or disability could seriously damage your financial well-being; however, with some planning now, you can minimize undue stress on your family and the loss of a lifetime of savings. Visit an HSBC branch or call 800.662.3343 to learn more.

Ready to apply?

Speak with an HSBC financial professional4 today

Questions?

HSBC financial professionals can answer your questions

Call us at 866.586.4722.

 

1 "1 in every 2 individuals turning age 65 today will need the coverage of a long-term care solution during their lifetime."

Department of Health & Human Services, “Long-Term Services and Support for Older Americans: Risks and Financing,” ASPE Issue Brief,

https://aspe.hhs.gov/sites/default/files/pdf/106211/ElderLTCrb-rev.pdf, page 1, February 2016.

2 Up to the policy benefit maximum.

3 All long term care coverage is sold through riders attached to permanent life insurance products.

4 Financial professional refers to Premier Wealth Advisors (PWA), Premier Relationship Advisors (PRA) and Financial Advisors (FA). PWA/PRAs primarily focus on a full suite of Premier products and services while FAs primarily focus on a full suite of Advance products and services. Both offer bank products through HSBC Bank (USA) N.A., investments and certain insurance products, including annuities, through HSBC Securities (USA) Inc. and traditional insurance products through HSBC Insurance Agency (USA) Inc.

Investment and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSI is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are provided by unaffiliated third parties and offered through HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843

Investments, Annuity and Insurance Products:

ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES

ARE NOT FDIC INSURED
ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES
MAY LOSE VALUE

 

All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor.

Research backgrounds of brokers and brokerage firms for free by visiting FINRA's BrokerCheck website

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