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Using Long-Term Care Insurance for Senior Living
Long-Term Care (LTC) Insurance can significantly reduce out-of-pocket costs for senior living — but understanding what’s covered and how to use it can be confusing. At MKR, we specialize in helping families navigate their LTC policies and connect with communities that accept and optimize those benefits.
​What Does Long-Term Care Insurance Cover?
LTC insurance is designed to cover the cost of care that isn’t typically covered by health insurance, Medicare, or Medicaid. Depending on your policy, this may include:
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Assisted Living Facilities
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Memory Care Communities
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In-Home Care Services
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Adult Day Care
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Skilled Nursing Services
Coverage varies based on the individual policy — including daily benefit amounts, elimination periods, and qualifying criteria. That’s where we come in.
​How MKR Helps You Understand and Use Your Policy
Review Your LTC Policy in Detail We'll interpret the fine print, benefit triggers, and reimbursement rules for you.
Find LTC-Compatible Communities We’ll match you with senior living communities that accept your specific policy and fit your care needs.
Coordinate with Providers & Insurers Our team can work with the community and insurance provider to ensure a smooth approval and billing process.
Maximize Your Benefits We help you access every dollar you're entitled to — and avoid costly missteps.
Real Results from Real Families
“We saved a client $5,000/month by matching them with an LTC-approved community.”
​“We had no idea how to even start using our LTC insurance. MKR not only explained it clearly but found the perfect assisted living community for our mom. The financial difference was life-changing.”
​“Thanks to MKR, we discovered our policy covered in-home care while we waited for a facility opening. That saved us months of stress and thousands of dollars.”
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