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Long-term care insurance is designed for individuals who are looking to protect themselves, at any age, should they suffer a major injury or illness resulting in cognitive impairment or the inability to perform two or more activities of daily living.


According to the Canadian Life and Health Insurance Association (CLHIA), many Canadians mistakenly believe that full-time care in a long-time care facility is fully covered by OHIP. The reality is that only a small portion of the expense is covered and there are long waiting lists for access to these facilities. Yet, 74% of Canadians admit to having no plan in place for their long-term care needs.

Why you may want to consider Long-Term Care Insurance:

  • If you are concerned that your retirement income might not last for your lifetime if your health deteriorates and government programs are insufficient to meet your needs.

  • If you want the freedom that comes from having the financial resources to enable you to be able to choose the type and level of care that is right for you should you have an accident, become seriously ill, or require substantial care later in life.

  • If protecting your wealth and estate from being depleted by the cost of care is important to you.

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