The Long Term Care Insurance Specialists

Your LTCI Benefits

Long Term Care Insurance is the ideal complement to your financial planning retirement strategy. Receive additional financial benefits tax-free when you need it most!

  • If you require care due to illness, accident or diminished physical or mental capacity, long-term careinsurance provides you with a tax-free monthly income to help bridge the gap between your personal savings and provincial and private health insurance coverage.
  • Benefit eligibility is not dependent on admission into any care facility, nor do you have to obtain receipts for the care received to collect the designated benefit payments.
  • The freedom to use your benefit the way you see fit to receive the type and quality of care you need. You can even use the tax-free benefits to pay a family member or friend to provide the care you deserve.

Eligibility Criteria

To qualify to receive your benefits you must meet ONE (1) of the following THREE (3) criteria:

1) Constant supervision by another person because of deteriorated mental ability.
2) Stand-by assistance to perform bathing & transferring.
3) Physical assistance with at least TWO (2) of the following SIX (6) activities of daily living: 

  • Bathing
  • Dressing
  • Toileting
  • Transferring¬†
  • Continence
  • Feeding¬†

When the Need arises

Benefits are paid over your lifetime TAX-FREE
The money is yours to do with as you choose
Benefits are paid directly to you and no receipts are required whether you are:

  • in a facility such as a nursing home
  • receiving home care in your own home by a professional
  • receiving home care by a family member or friend