Long-Term Care in South Carolina

Plan for Life’s What-Ifs

Without a plan, long-term care costs can devastate your savings. How prepared are you?

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Why Long-Term Care Planning Matters

Nearly 70% of adults over 65 will need some form of long-term care (LTC), and in South Carolina, that care isn’t cheap.
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2024 Average Annual Costs in SC:

  • Home Health Aide: $68,640

  • Assisted Living: $62,400

  • Nursing Home (Private Room): $114,428

(Source: Genworth 2024 Cost of Care Survey)
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More Than You Might Expect

Most folks know long-term care can protect your spouse if you become ill or pass away. But did you know it also helps you:

  • Avoid forced asset liquidation

  • Choose your own level of care

  • Preserve dignity and control

Solutions We Offer

We provide a variety of options to fit your long-term care needs, including:

  • Traditional LTC insurance

  • Hybrid life + LTC policies

  • Annuities with LTC riders

  • Asset-based plans that return premiums if unused

You may never need care, but the cost could be devastating if you do. We’ll help you evaluate your risks and explore your options.

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Frequently Asked Questions

Q: How likely am I to need long-term care?

A: About 70% of people over 65 will need some form of LTC during their lifetime.

Q: What does long-term care cost in South Carolina?

A: Costs range from $60,000 to over $110,000 per year, depending on the type of care.

Q: Are there alternatives to traditional LTC insurance?

A: Yes. Hybrid life insurance, annuities with riders and asset-based plans are flexible options.