LivingCare® long term care insurance

Choose long term care at home or in a facility

As you age, you start to realize the importance of having the right plans in place to make sure you receive the care you need if health challenges arise. Long term care insurance gives you added protection that government plans alone may not be able to provide, helping minimize cost and stress to you and your family. With LivingCare, your benefit would help pay for home or facility care if you’re unable to care for yourself.

Core plan:

Receive a monthly benefit, tax-free, if you become functionally dependent; a waiting period applies

Choice of single life coverage, or shared coverage for a couple—because there’s no way to predict who will need care first, or who will need more care 

Optional add-ons:

Safeguard your purchasing power with protection from inflation 

Return a portion of your premiums to your beneficiaries in the event of your death 

Note: Above features may be subject to terms and conditions

Choose LivingCare long term care insurance to cover your care expenses when you can no longer care for yourself:

Remain self-sufficient without relying on limited government programs or burdening your family with care giving responsibilities

Help protect your savings so you don’t run out of money in retirement and are able to preserve an inheritance for your loved ones

Understand your options with our Care Support Services program which helps you and your loved ones navigate long term care choices in your community

Ready to buy?

If you’re ready to buy LivingCare insurance, or if you have questions, speak to your advisor. If you don’t have an advisor, we can help you find one.


Frequently asked questions

Functionally dependent means you require substantial assistance with two or more of the six activities of daily living (bathing, eating, dressing, toileting, transferring and maintaining continence) or you require substantial supervision because of cognitive impairment.

Have a question?

Contact us