Extended care can drain savings quickly. Long term care insurance can help Tennessee families plan ahead and protect their choices.
Looking for long term care insurance in Tennessee? A policy can help pay for home care, assisted living, or nursing care if you need help with daily activities. A Blue Peak advisor can help you compare options.
Planning for care is personal. We help Tennessee families compare coverage that fits their wishes and budget.
Long term care insurance helps pay for care when you need help with daily activities or have a cognitive impairment.
Policies may cover in-home care, adult day care, assisted living, and nursing home care, depending on the terms.
Benefits usually start when you need help with a set number of daily activities, such as bathing or dressing, or have a cognitive impairment.
You choose a benefit amount and how long benefits can last. Higher amounts cost more.
Inflation riders can help your benefit keep up with rising care costs over time.
A licensed Blue Peak advisor can review your options and help you request a quote.
Here are a few things Tennessee families often consider.
If you retired to Tennessee, review whether your care plans and coverage fit your new location.
Many Tennesseans prefer care at home. Check that your policy covers home care and how benefits are paid.
Use these questions when you compare quotes or review your current policy:
The Tennessee Department of Commerce and Insurance (TDCI) licenses the insurers and agents that sell long-term care insurance in Tennessee. If you have a question about a claim or a company, TDCI's consumer services team can help, and you can confirm any agent's license on the Tennessee Department of Commerce and Insurance website. Tennessee also has a life and health insurance guaranty association that protects policyholders, within set limits, if a licensed insurer fails.
Tennessee has no state income tax on wages, so many families focus on how life, income and retirement products fit their overall budget when they buy a home or start a business.
Blue Peak works with individuals and couples in Nashville, Memphis, Knoxville, Chattanooga, Clarksville and Murfreesboro, as well as smaller towns across Tennessee. Our advisors compare options from multiple carriers and explain how Tennessee rules apply to your long-term care insurance before you decide.
Long term care insurance in Tennessee is regulated by the Tennessee Department of Commerce and Insurance.
Partnership programs and their rules vary by state. An advisor can check whether a Partnership-qualified policy is available to you in Tennessee.
Cost depends on your age, health, benefit amount, benefit period, elimination period, and inflation protection.
Many people review coverage in their 50s or early 60s, when it is usually easier to qualify.
Medicare generally does not pay for long-term custodial care. It may cover limited skilled care after a hospital stay.
Long term care can be expensive, and planning ahead gives you more choices. Comparing options helps protect your savings and your family.
Learn more about our long term care insurance options, or see our guide to life insurance in Tennessee.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. Coverage availability varies by state and carrier. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Tennessee is regulated by the Tennessee Department of Commerce and Insurance (TDCI). TDCI licenses agents and insurers and handles insurance complaints in Tennessee.
Before you buy any policy, you can confirm that an agent or agency holds an active Tennessee license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Tennessee.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
