Protect Your Tomorrow, Today

Few conversations are harder to start than the ones about aging, illness, and what happens when we or someone we love needs ongoing care. But planning ahead — before a health event forces the decision — is one of the most important and compassionate things you can do for yourself and your family.

Since 1982, Professional Insurance Programs has helped individuals and families across Wisconsin prepare for life’s uncertainties with confidence. Our team is here to help you understand your long-term care options, answer your questions honestly, and find a plan that fits your goals, your health, and your budget.

Why Planning Ahead Matters

  • The Cost of Care Continues to Rise Long-term care services can be expensive, and costs for home healthcare, assisted living, and nursing care continue to increase every year. Without a plan in place, extended care needs can place significant financial strain on retirement savings and the assets you’ve worked a lifetime to build.

  • Protect Your Independence Long-term care coverage may help pay for care in your home, assisted living communities, adult day care programs, or skilled nursing facilities — giving you more flexibility and control over your care decisions rather than leaving those choices to circumstance.

  • Help Preserve Your Savings Without a plan, long-term care expenses can quickly erode retirement accounts, investments, and assets intended for loved ones or future goals. Planning ahead helps protect what you’ve built.

  • Gain Peace of Mind Perhaps most importantly, having a plan in place reduces uncertainty — for you and for the people who care about you. Knowing you’ve thought ahead is a gift to your entire family.

Coverage Options Designed Around You

We offer a variety of long-term care planning solutions, including:

Traditional Long-Term Care Insurance

Coverage designed specifically to help pay for qualified long-term care expenses, including home care, assisted living, and nursing facility care.

Life Insurance with Long-Term Care Riders

Policies that combine life insurance protection with benefits that may be used for qualifying long-term care needs — so your coverage works for you in more than one way.

Flexible Payment Options

Depending on the policy, options may include single premium or flexible payment structures designed to fit different financial goals and budgets.

Potential Tax Advantages for Business Owners

Helps cover prescription medication costs through plans offered by private insurance companies. Costs and covered medications vary by plan, so it’s important to compare options carefully.

What Long-Term Care Coverage May Include

Coverage varies by policy, but long-term care insurance may help cover:

Home Healthcare Services

Professional care provided in your own home, helping you maintain independence while receiving the support you need.

Caregivers and Home Health Aides

Assistance with daily activities such as bathing, dressing, and meal preparation from trained caregiving professionals.

Assisted Living Facility Care

Coverage for residential communities that provide personal care and support services in a home-like setting.

Skilled Nursing Care

Benefits for care provided in a skilled nursing facility when a higher level of medical support is required.

Adult Day Care Programs

Benefits for care provided in a skilled nursing facility when a higher level of medical support is required.

Respite Care for Family Caregivers

Temporary relief for family members who provide ongoing care, giving them time to rest and recharge.

Why Many People Plan Early

  • Lower Premiums Long-term care coverage is often significantly more affordable when purchased at a younger age and while in good health. Waiting can mean higher costs — or fewer options.

  • More Coverage Choices Applying earlier may provide greater flexibility in plan design and a higher likelihood of qualifying for coverage without health-related restrictions.

  • Better Financial Preparation Having a plan in place well before it’s needed helps reduce future financial uncertainty and supports a more confident retirement strategy overall.

Why Work With Us

  • Four Decades of Wisconsin Experience Since 1982, we’ve helped Wisconsin individuals and families navigate important insurance decisions at every stage of life. Long-term care planning is one of the most personal — and we approach it that way.

  • Honest, Personalized Guidance We take the time to understand your situation, your family, your health, and your financial goals before making any recommendations. There’s no one-size-fits-all answer when it comes to long-term care.

  • A Range of Solutions From traditional long-term care policies to hybrid life insurance options, we help you compare solutions from trusted carriers and find the approach that fits your needs and budget.

  • A Partner for the Long Term This isn’t a one-time transaction. As your situation evolves, we’re here to help you review your coverage and make sure your plan still reflects your goals.

Frequently Asked Questions

Long-term care insurance helps cover the cost of services and support needed when someone cannot perform certain daily living activities independently due to aging, illness, or injury. It’s designed to fill a gap that health insurance and Medicare typically don’t cover.

Health insurance and Medicare may cover limited short-term care in certain situations, but they generally do not cover extended custodial or ongoing long-term care needs. Many people are surprised to learn how little Medicare covers when it comes to assisted living or in-home care over an extended period.

Medicaid may cover some long-term care costs, but eligibility requirements are strict and typically require spending down most of your assets first. Long-term care insurance can help protect your savings so that Medicaid is a last resort rather than a forced outcome.

Many individuals begin exploring options in their 40s, 50s, or early 60s while they are still in good health and have more coverage choices available. The earlier you start, the more affordable and flexible your options tend to be.

Yes. Many policies provide benefits specifically for home healthcare and in-home caregiving services — which is where most people prefer to receive care when possible.

Some policies, such as life insurance with long-term care riders, may provide a death benefit if long-term care benefits are not fully used. This means your premium isn’t simply “lost” if you never need care — it continues to work for you and your family.

Premiums vary based on factors such as your age, health, the level of coverage you choose, and the type of policy. Generally speaking, the younger and healthier you are when you apply, the more affordable your options will be. Our team can help you explore what fits your budget.

Hybrid policies combine life insurance or an annuity with long-term care benefits. They can be a good option for individuals who want coverage flexibility — using the benefit for long-term care if needed, or passing it on as a death benefit if not. They often require a single or limited premium payment rather than ongoing annual premiums.

Let’s Start the Conversation

Planning for long-term care isn’t about dwelling on difficult possibilities — it’s about protecting your independence, your savings, and the people you love. The earlier you start, the more options you’ll have.

For over 40 years, Wisconsin individuals and families have trusted Professional Insurance Programs to help them make thoughtful, informed decisions about their future. We’re here to make this conversation a little easier.

Call 800-637-4676 or email info@mypip.org to learn more or to schedule a no-pressure conversation about your long-term care options.