Home Care
Short term care insurance providing
benefits for home health care

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.

Check out the brochure for further coverage details.

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.

Coverage with Home Care Secure means:
You’ll Have a Multi-Use Plan
Assessments – to measure your well-being over time
Tools and Guidance – to create an informed plan for aging at home
You’ll Have Support
Coordination Services – to help you find, schedule and manage your care team
Access – to medical care with free in-home telehealth visits
You’ll Have More Financial Resources
Cash – insurance benefits to help pay for home care products and services not covered by Medicare
Peace of Mind – with affordable lifetime benefits from $20,000 – $60,000

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.

The Aging at Home Association helps support your health and well-being in other ways including:
Information, guidance and tools to create informed plans for aging at home.
Online project management tools to help you and your family put this plan into action and stay connected with each other.

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:

Certificate Year
Percent of Lifetime Maximum Available
First Year
Second Year
Third Year
Fourth Year
Fifth Year
Sixth Year & Onwards
  • 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.
Over 3/4
of those 50 and older wish to age in their own homes1
Less than half
believe they will have the means to do so2
of Americans age 65+ will need home care services in the future3
[1] 2018 Home and Community Preferences: A National Survey of Adults Age 18-Plus. Washington, DC: AARP Research, August 2018 [2] Administration of Aging, U.S. Department of Health and Human Services, 2017

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).