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Long-Term Care Insurance in South Carolina

Planning for the future means ensuring you have the right coverage in place if you ever need extended care. Long-term care insurance helps cover the costs of assisted living, nursing home care, and in-home support services, protecting your savings and giving you peace of mind.


At Hutson-Etherredge Companies, we help South Carolina residents find personalized long-term care insurance solutions that fit their needs and budget. Whether you're planning ahead or considering options for a loved one, we’re here to guide you through the process.

What Does Long-Term Care Insurance Cover? 

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Nursing Home Care

Helps cover the cost of skilled nursing facilities, including room, board, and medical services.

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Assisted Living Facilities

Provides financial support for seniors who need daily assistance but don’t require full-time nursing care.

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In-Home Care Services

Pays for caregivers, home health aides, and support services that allow you to remain at home.

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Adult Day Care Programs

Covers costs for supervised care and support in an adult day care center.

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Respite & Hospice Care

Helps families with short-term relief and end-of-life care expenses.

Why Consider Long-Term Care Insurance?

Protect Your Savings

Without coverage, long-term care costs can deplete retirement savings quickly. Insurance helps preserve your financial security.

Flexible Care Options

Provides access to home care, assisted living, or nursing home care, depending on your needs.

Relieve Family Burden

Ensures loved ones don’t have to shoulder the full cost or responsibility of caregiving.

Common Questions About Long-Term Care Insurance in South Carolina

  • When should I buy long-term care insurance?

    Most people purchase between ages 50 and 65, while premiums are lower and eligibility is easier to secure.

  • Does Medicare cover long-term care?

    Medicare only covers short-term skilled nursing care after a hospital stay. It does not cover most long-term care expenses.

  • How much long-term care insurance do I need?

    It depends on your budget, health, and preferences for care. We’ll help you determine the right policy to ensure financial security.

Get a Free Long-Term Care Insurance Quote

Planning ahead for long-term care is one of the most important financial decisions you can make. Let Hutson-Etherredge Companies help you secure affordable, personalized coverage for the future.



Call us today at  803-649-5141 or click below to request a free quote  online.