Long term care insurance is an insurance product which pays for long term care services in many settings, such as at home, a nursing home, assisted living facility, and adult day care facility. Sharing long term care expenses with like-minded Sharing Members through a Health Care Sharing Ministry (HCSM) is an alternative program to provide for long term care expenses

Many people elect to provide for long term care benefits so they will not need to deplete their savings should they need long term care services. Long term care benefits can help ensure that financial resources and support are in place when you need them.