The type of long-term care needed can vary from assistance with simple activities such as bathing, dressing and eating to more complicated tasks that are provided by nurses, therapists or other health professionals. 

Long-term care policies offer many different coverage options, so talk to an expert at
Benefitstochoose the plan that’s right for you.

Since we can’t predict the future, you may want to choose a policy with flexible options. When life throws you a curveball, Risty Benefits has you covered.

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Long Term Care Insurance

Long-term care will help protect you and your family from financial burden if you are unable to take care of yourself for a long period of time. Rates vary with age and health, so it is beneficial to sign up when you are younger and healthier to avoid high rates.

If you are thinking about applying for long-term care or have questions about the level of coverage options, contact an expert at Risty Benefits in Sioux Falls, South Dakota.

Our team will assist with all of your insurance questions and explain with easy to understand language. We look forward to working with you!

LTC Policies

Sioux Falls Long Term Care


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Long-term care is the care you receive either at home, in assisted living or in a nursing home when you can no longer perform "Activities of Daily Living" (ADL). If you have chronic illnesses, disabilities or are of advanced age, you may need daily care over a long period of time.

Activities of daily living that you may need assistance with include eating, dressing, transferring, toileting, continence or bathing. Risty Benefits will ensure that you are covered so you receive the care you deserve.