Long-Term Care Insurance

Long-Term Care Insurance can provide financial reimbursement or payment of expenses that generally are not covered by health insurance, Medicare or Medicaid. It assists individuals and their families when an insured is unable to live independently and needs help performing the normal activities of daily living. Benefits can be available for services received at home, assisted living or nursing facilities. The need for long term care can result from:

  • Accident or injury
  • Chronic illness
  • Normal fragility and dependence that comes with advancing age

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  • Insurance products:
    Not FDIC-insured Not insured by any federal government agency Not a deposit No bank guarantee
    Insurance services are provided by Commerce Insurance Services, Inc., an insurance agency, and subsidiary of Commerce Bank. Policies are not available in all states. Certain restrictions apply.