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Long Term Disability Insurance and Long Term Care Insurance

We can offer you long term disability and care insurance.

Long term disability insurance covers a portion of an employee’s income (roughly 50 to 70 percent) when that employee is injured or seriously ill. According to the Council for Disability Awareness, the average long term disability absence is 34.6 months. If an employee is injured off the job, they won’t be covered by worker’s compensation, and this is where long term disability insurance comes in. When you cannot work for an extended period of time, this kind of policy will cover a portion of your salary.

Long term care insurance helps provide for the cost of long term care beyond a predetermined period. Individuals who need long term care are unable to perform basic daily activities. On average, eight percent of people between 40 and 50 require long-term care services. This policy covers home care, assisted living, respite care, hospice care, nursing homes and Alzheimer’s facilities. It can also pay for a live-in caregiver, companion, housekeeper, therapist or private nurse. There are both tax and non-tax qualified long term care policies available.

Who Pays for Long Term Disability/Long Term Care Insurance?

Long Term Disability:

  • Employee fully paid plan
  • Employer fully paid plan
  • Shared cost plan

Long Term Care:

  • Medicare (only if you require skilled services or rehabilitative care)
  • Medicaid (only if your income is below a certain level and you meet state eligibility requirements)
  • Employer-sponsored and private health insurance

How We Can Help

At Cornerstone Wealth Management in Las Vegas, Nevada, we are dedicated to helping you feel secure about the future. Life is unpredictable, you never know if you’ll get seriously ill or sustain a life-altering injury. As a wealth management company, we can give you valuable information about your long term disability and long term care options. Contact us today if you or your loved one might require a long term disability or long term care insurance policy.


At Cornerstone Wealth Management in Las Vegas, Nevada, we are dedicated to helping you feel secure about the future. Life is unpredictable, you never know if you’ll get seriously ill or sustain a life-altering injury.
Las Vegas, NV

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702-878-4742


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    Phone: (702) 878-4742
    Fax: (702) 878-4741
    Email: info@cornerstonevegas.com

    Henderson Location:
    1368 Paseo Verde Parkway
    Suite 100
    Henderson, NV 89012

    Summerlin Location:
    3595 S. Town Center Drive
    Suite 110
    Las Vegas, NV 89135


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