A long-term illness, disability, or age-related condition can create significant financial challenges. Costs for personal care, assisted living, or in-home support can quickly add up—and provincial healthcare plans only cover a small portion of these expenses.
Long-Term Care Insurance provides financial support if you can no longer independently perform everyday activities such as bathing, dressing, eating, or mobility.
It ensures that you receive the quality care you need—without draining your retirement savings or becoming a financial burden on your family.
At Hilltop Financials, we help Canadians choose long-term care plans that offer reliable protection, flexibility, and peace of mind.
Long-term care insurance provides tax-free monthly payments or reimbursement benefits when you require ongoing care due to
This coverage may help pay for
Long-Term Care Insurance ensures you have choice, dignity, and financial independence during the most vulnerable stages of life.
Most Canadian long-term care plans provide benefits when you are unable to independently perform 2 or more Activities of Daily Living (ADLs)
Benefits may also be triggered by cognitive impairment, such as Alzheimer’s disease.
Hilltop Financials provides access to Canada’s top long-term care insurance plans with multiple benefit options.
These plans pay you a tax-free monthly amount that you can use however you choose.
Advantages:
Common benefit amounts: $1,000 – $3,000 per month, depending on your needs.
These plans reimburse actual expenses for:
Ideal for those who prefer structured, cost-controlled support.
A popular option in Canada.
Includes:
This provides financial security whether or not long-term care is needed.
Some plans offer:
Ensures that your investment is not lost.
With an aging population and increasing care costs, long-term care planning is more important than ever.
Private care in Canada can cost:
Long-term care insurance helps protect your retirement savings from being depleted.
Canadians are living longer than previous generations, which means:
Planning early ensures affordable premiums and guaranteed protection.
Without coverage, the responsibility often falls on:
Long-term care insurance reduces emotional and financial burden.
Long-term care insurance is ideal for Canadians who want to protect their independence, preserve retirement savings, and reduce the financial burden on loved ones in the event of future care needs.
Best purchased in your 40s, 50s, or early 60s—premiums are far lower.
Early planning protects against future uninsurability.
Prevents selling assets or using retirement savings to pay for care.
No employer coverage means personal planning is crucial.
LTC insurance gives you control over where and how you receive care.
Premiums depend on
Younger applicants typically enjoy significantly lower premiums.
Protect your independence, your savings, and your family with a long-term care plan designed around your needs. Our advisors make the process easy, transparent, and stress-free.
