Independent, Bilingual Long-Term Care Guidance in Rhode Island
Long-Term Care Insurance in Rhode Island, Protecting What You've Built
Long-term care is one of the biggest unplanned expenses retirees face — and Medicare doesn't cover it. As an independent agency, we help Rhode Island families plan ahead with long-term and short-term care coverage, explained in plain English, Spanish & Portuguese, so a future care need doesn't have to mean losing your savings.
A+ Better Business Bureau Accredited
Independent, Multi-Carrier Access (including Foresters Financial, American National, and Mutual of Omaha)
Bilingual, English, Spanish & Portuguese
Long-term care refers to the services that help with daily living needs — bathing, dressing, mobility, and more — whether provided at home, in an assisted living facility, or in a nursing home. Medicare does not cover this type of custodial care, which is a common and costly misconception.
The numbers make the stakes clear: the average cost of long-term care in Rhode Island runs over $100,000 a year, and home healthcare alone can cost several thousand dollars a month. Rhode Island also participates in a federal/state long-term care partnership program, which offers dollar-for-dollar asset protection to those who hold a qualifying long-term care insurance policy — meaning your savings can be shielded from Medicaid spend-down requirements.
The best time to buy long-term care insurance is before you need it. Premiums are lower and insurability is easier at younger, healthier ages, and waiting until a health event happens can mean it's too late to qualify at all.
Here's how we break it down:
What Is Long-Term Care Insurance, and Why Does It Matter in Rhode Island?
Explore Your Options
Short-Term Care Insurance
Coverage sized for a shorter recovery period — post-surgery, illness, or injury — with simpler underwriting than long-term care policies.
Retirement Healthcare Planning
See how Medicare, long-term care, and retirement income fit together, so healthcare costs don't catch your retirement plan off guard.
Don’t see your area? Contact us — we likely serve your region too.
Independent & Multi-Carrier
We compare long-term and short-term care policies across carriers, matched to your health, budget, and goals.
Rhode Island Partnership Program Guidance
We help you understand how a qualifying policy can protect your assets under the state's partnership program.
Bilingual, English, Spanish & Portuguese
Get answers in the language you're most comfortable in.
Coordinated Planning
We look at long-term care alongside your Medicare and retirement plan, not as a separate, disconnected decision.
We Go Above and Beyond
From explaining underwriting timelines to helping you plan before a health event forces the decision, our support goes past the sale.
Meet Beiya Pena
Beiya Pena has spent 25+ years combined in financial services helping Rhode Island families plan ahead for long-term care — before a health event makes the decision for them. As an independent agent, she compares coverage across carriers so your family's plan fits your actual needs and budget.
How It Works
- Reach out
Request a quote, give us a call, or schedule a free consultation. - Talk through your situation
We'll look at your age, health, budget, and family history to see what makes sense. - Compare your options
See long-term and short-term care policies across carriers, explained in plain language. - Plan with confidence
Choose coverage that protects your savings and your family, with no pressure and no obligation.
Quick Answers, Honest Advice
Frequently Asked Questions
How much does long-term care cost in Rhode Island?
The average cost of long-term care in Rhode Island runs over $100,000 a year, with home healthcare alone averaging several thousand dollars a month. Long-term care insurance premiums are typically far lower — often a few thousand dollars a year depending on age and coverage.
Does Rhode Island have a long-term care partnership program?
Yes. Rhode Island participates in a federal/state long-term care partnership program that offers dollar-for-dollar asset protection to holders of a qualifying long-term care insurance policy.
When should I buy long-term care insurance?
The best time is before you need it. Premiums are lower and insurability is easier at younger, healthier ages, and a health event can make it difficult or impossible to qualify later.
What's the difference between long-term care and short-term care insurance?
Long-term care insurance covers extended, often chronic care needs, while short-term care insurance covers a limited-duration recovery period, such as after surgery or illness, typically with simpler underwriting.
Does Medicare cover long-term care?
No. Medicare does not cover long-term custodial care, which is why a separate long-term care insurance policy or dedicated savings plan is often necessary.
Where We Serve
We help families across Providence, Pawtucket, Cranston, Warwick, Cumberland, Central Falls, and the surrounding Rhode Island and New England area plan for long-term care — from our office in Lincoln, Rhode Island.
Let's Protect Your Savings and Your Family's Future
No pressure, no obligation — just a clear conversation about long-term care planning, in the language you're most comfortable in.
A+ BBB Accredited · 25+ Years Combined Experience · Bilingual, English, Spanish & Portuguese
