Louisiana's #1 choice for long-term-care protection

We specialize in affordable plans, helping you tailor a plan to fit your needs and your budget!

About Us

The Van Group, LLC was formed in 1986 and have specialized in all different types of long term care protection. We are an independent broker and therefore can write for any company. This means our loyalty is to you and not the company. During this time, we have helped 1000’s of people with their long-term care protection needs via large employer groups, associations, as well as many individuals that need our assistance.

Learn how important, affordable, and easy to qualify our plans are for you.

How can we help?

Many are not aware that though the need is greater than ever and growing, today there are more affordable options than ever. An experienced agency like The Van Group, LLC has the capability to find you a plan that not only fits your needs but also fits your budget. For many, this could be one of the most important financial decision they ever make.

What is Long Term Care?

This is the care you may need due to either a sickness, accident or advancing age when you need assistance with your activities of daily living. Things such as bathing, dressing, eating, toileting, transferring, continence or if you were to become cognitively impaired. These are generally things not paid for by health insurance.

Who needs long term care?

Today, statistics show 1 out of every 2 people who reach age 65 will need some form of long-term care. However, 40% of all those who currently are receiving care are working age adults between the ages of 18-64. Statistics for the future are predicting that almost twice as many people will need long term care in 2040 than currently are receiving it today due to the aging baby boomers.

Who pays for long term care?

What are your options?

Today, there are multiple options to choose from to insure yourself, your family, and the assets you have worked so hard for.

Traditional Long Term Care Insurance Plans

These plans have been around for a long time and offer the most comprehensive coverage. Today, there is a limited number of companies offering these plans, but they are the best option to prepare for long term care in a comprehensive way. It is important you are healthy enough to qualify as they are underwritten very thoroughly.

Life Insurance Plans With Long Term Care Riders

Though they can be a little more expensive than the traditional plans they provide the assurance that you are not paying premiums that you will never recover. If you never use the long-term care benefit these plans will pay a death benefit to the beneficiary of your choice.

Short Term Care Insurance Plans & Standalone Home Health Plans

These are the most affordable and easiest to qualify for of all the plans. Though they pay for a limited time period, they do pay cash which allows you the ability to use the monies how you and your family see fit. For many this is the answer to the expensive and harder to qualify for traditional long term care plans.

TO BUY OR NOT TO BUY...THAT IS THE QUESTION!

A study was done by The National Academy of Elder Law Attorneys in which they compared the risk of losing a person’s life-savings because of Long Term Care with the risk of losing a person’s life-savings as a result of a major automobile accident or a house fire. The risk study revealed:
Major Automobile Accident: 1 out in 240 | House Fire: 1 in 1,200 | Long Term Care: 1 in 2 or 50% chance of needing Long Term Care.

Automobile Accident:
0%
1 240
House Fire
0%
1 1,200
Need Long Term Care
0%
1 2

trust well known financial experts

Long-term care is absolutely mandatory for people 60 and over… You have to get long-term care whether you’ve got $1 million or not.

Dave Ramsey

Once you reach your 50s you should consider adding a long-term care policy to your insurance coverage. No well-planned retirement should be without long term care insurance. It is the very cornerstone of retirement security.

Suze Orman

If you’re in your late 50s or 60s you should have long-term care insurance unless you’re terribly rich.

Ben Stein

Nurse Making Notes During Home Visit With Senior Couple

5 Myths About Long Term Care Insurance

MYTH: I’m young and healthy, so why do I need long term care insurance?
FACT: Currently almost 1 in 2 people will require some sort of long term care assistance over the age of 65. Forty percent between the age of 18 and 65! There is also a 1 in 3 chance you will have to assist a family member with such care.

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