Home Care Secure
Available as part of membership
in the Aging at Home Association.
We help members plan for a safe and comfortable future in the place they call home.
Home — it’s where you want to be.
If you’re like most, you want to live in your own home for the rest of your life.
Nearly 2/3 of Americans over the age of 65 will need help at some point to live at home. The costs can be significant – nearly $50,000 on average* – which Medicare does not pay for.
And if this help is not well planned or delivered, the risk of falls and injury can increase, which can result in a move from a cherished home to a nursing home.
That’s why our membership is designed to give you insurance coverage AND a plan.
You Need a Plan — We’re Here to Help
Your membership comes with yearly access to Total Well-Being,* a comprehensive assessment that scores your overall well-being in the areas of Life, Health and Money. Based on your results, we’ll give you valuable insights and suggestions to make improvements. We’ll remind you to check in on yourself every year so you can stay on track for a healthy, happy future.

Support at Times of Need
When you need support to age at home, trained care coordinators are available at special discounted rates to help you and your family:
- Find in-home care
- Coordinate meals, transport and home repair
- Solve legal, financial and medical issues
- Connect with community resources such as support groups and social services
We know your legacy and estate planning are important considerations when you are managing your retirement. That’s why your membership includes discounted will services, to give you peace of mind in managing the allocation of your assets.

Features & Benefits
Home Care Secure’s insurance coverage will provide weekly cash payments (up to 50 weeks) when you need help living at home. Payments are flexible and may be used to pay for home care services and other supports whether it’s just for a few weeks or for your ongoing needs.
Due to the indemnity nature of the product, you will directly receive weekly cash payments ranging from $400 – $1,200. In addition, your Home Care Secure benefits grade in over time, as follows:
Monthly premiums are fixed as long as you maintain the policy:
- Lifetime maximum benefits ranging from $20,000 – $60,000
- Five question eligibility process with simplified underwriting
- Guaranteed renewable
- Optional Simple Inflation Protection Rider can help your benefits keep pace with rising home health care expenses, after Graded Benefit Percentage reaches 100%
- Claim Eligibility Process: Inability to perform 2 of 6 Activities of Daily Living (ADLs) or be certified as Cognitively Impaired. Must receive home health care services 3x per week and submit Plan of Care.

How It Works
Home Care Secure is an innovative solution, which combines insurance with navigation and advocacy resources. It is a robust offering enabling individuals to realize their dream of aging at home – as safely, as independently, and as long as possible.
At a high level, the indemnity insurance product has available lifetime maximums ranging from $20,000 – $60,000 in $10,000 increments. The benefit is designed to pay over 50 weeks; thus, leading to weekly payments ranging from roughly $400 – $1,200. And, because of the indemnity nature of the product, the money is paid directly to the policyholder.
In addition, the Aging at Home Association provides a robust set of tools, resources and discounts assisting individuals with frequently used goods and services, educating them with self-service tools as well as discounted personalized care coordination services and insights into how to prepare to age at home – especially as needs evolve.
Rate Calculator
HCG Secure Quote Tool
Use our Quote tool to price client options with Home Care Secure.
Choose your coverage amount – ranging from $20,000 – $60,000 (in $10,000 increments).