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Our story
Meet Stephanie Cheney, CEO of Staying Power
My mom had long-term care insurance.
She bought a policy in her 50s, after we lost my dad. In her 60s, brain surgery left her needing full-time care. I suddenly became her primary caregiver. Thankfully, her long term care insurance coverage meant that I could continue working, caring for my family, protecting my own health, and hire help when I'm away.
I'm so glad she planned ahead, and Staying Power is here to help you do the same.
“I've lived the pain myself.”
Stephanie Cheney, Founder · Licensed Insurance Agent
We researched the policies we offer, so you don't have to.1
These are features of the policies we offer. The insurance company provides the coverage.
Will my premiums go up?
- Will not increase, as long as you pay premiums on schedule and take no loans or withdrawals.
- These guarantees depend on the insurance company that issues your policy being financially able to pay its claims.
What if I never need care?
Your beneficiaries will still receive a death benefit, reduced by any loans, unpaid deductions or withdrawals.
Could my benefit shrink?
Your long-term care benefit is guaranteed not to decrease, as long as you pay premiums on schedule and take no loans or withdrawals.
Do I have to send in receipts?
- Paid directly to you each month once your claim is approved, up to your policy's monthly maximum, until your total benefit is used.
- No bills or receipts to send in.
- Payments continue while you still qualify, meaning a licensed health care practitioner confirms you still need help with 2 of 6 daily activities or have a severe cognitive impairment.
Can someone I know be paid to help?
You can pay a family member or friend to care for you, if your licensed health care practitioner's plan of care states that informal care is appropriate.
How long-term care insurance works.1
You pay premiums while you're healthy. Later, if age, illness or injury makes everyday activities hard to do on your own, the policy pays for help, so you can choose the care you want.
Take a look at a policy in action.
Jennifer chooses- 1 of 5
She's 53 years old and healthy, a good time to look into a policy.
She starts paying premiums now, so her policy is in place long before she ever needs it.
Step 1 of 5. She's 53 years old and healthy, a good time to look into a policy. She starts paying premiums now, so her policy is in place long before she ever needs it.
In their words
What caregiving and long-term care are really like.
Short videos of people sharing their own experiences. Tap one to watch.
Long-term care insurance looks different today. See how premiums, benefits, and options have changed, and what to ask about any policy you consider.
Medicare and Medicaid help with some care costs, each with its own eligibility rules. See what they cover and how planning ahead gives you more choices.
A first call about long-term care insurance takes 30 to 45 minutes by phone or video. See what we cover and who you can invite.
There are 4 common misconceptions about long-term care insurance. See what they are and what is actually true.
Monthly national median
What will care cost me?
- Home careNon-medical caregiver44 hours a week
- $6,673/month($80,080 a year)
- Assisted living
- $6,200/month($74,400 a year)
- Nursing homePrivate room
- $10,798/month($129,575 a year)
National median costs in 2025 dollars. Source: CareScout Cost of Care Survey 2025 (data collected July–November 2025). Actual costs vary by provider, location, care setting and individual needs. Not a quote, offer or guarantee.
Planning ahead
The sooner you start, the more your benefit can grow to fund your care, with optional inflation protection.
Example benefit amount2
- PremiumsModerate
- Chance of qualifyingGood
Drag to change your starting age
Illustration: the age you apply, from 40 to 75. Applying earlier gives your benefit more years to grow, at lower premiums, while you're more likely to qualify.
Premiums are based on your age when you apply, along with sex, tobacco use and health. They generally increase with age, and health changes can affect whether you qualify.
2 Illustrative only. The benefit uses a sample starting benefit of $250,000, the total the policy could pay for care, which is not a typical or recommended amount; yours depends on the coverage you choose. It assumes an optional 3% compound inflation protection rider, which raises the benefit by 3% of the prior year's amount each year from the day the policy starts: from $250,000 to about $523,000 by age 80 for a policy bought at 55. Inflation protection costs more, isn't part of every policy, and the rates offered vary by carrier and policy. Benefits used for care, loans or withdrawals reduce what remains. The premium and qualifying readings show general direction only, not actual premiums or underwriting decisions. Not a quote, offer or guarantee of coverage or benefits.
Talk to a licensed insurance agent
Bring your questions. Leave with a plan.
Your first call is a conversation about you. We listen, then walk you through what care could cost and the ways people pay for it.
No obligation, free consultation
About you
We get on the same page about where you want to live as you age and what matters most to you.
Your options
You see what care could cost where you live, and how long-term care insurance could fit with what you have.
Your strategy
You leave with a funding strategy to take home and think over, whether or not you buy anything.
Bring your loved ones
Planning for care is a family decision, feel free to bring yours to the call.
No obligation, free consultation
One relationship, start to claim.
Beyond the coverage, we continue to help you with your funding strategy and keep your intentions current as things change.
Questions people ask us.
Does Medicare pay for help at home?
Not for everyday help.
After a qualifying hospital stay, Medicare covers skilled nursing and therapy for up to 100 days, and usually for far less. It does not cover everyday help with bathing, dressing, eating, and getting around when that is the only care you need.
What does long-term care insurance cost?
It varies, by design.
Your price is based on your age when you apply, along with sex, tobacco use, and health. You also have real choices: how much coverage, how you structure it, and how you pay for it, including spreading payments across a longer stretch of years. Your agent will show you options across a range, so you can see what fits.
When does coverage actually start paying?
When two everyday things need someone else's help.
These policies start paying when a licensed health care practitioner certifies you need real help with at least two of six everyday tasks: bathing, dressing, eating, getting to the bathroom, controlling your bladder or bowels, and getting in and out of a bed or chair. The help also has to be expected to last at least 90 days. A severe cognitive impairment, such as from Alzheimer's, certified by a licensed health care practitioner, also qualifies on its own, even if you can still do all six. This is the standard rule for tax-qualified long-term care policies, and each policy's own terms decide the details. Payments begin after a 90-day waiting period, which you only meet once. Those first 90 days are paid back with your fourth month.
What happens on the call?
A conversation first.
You talk with a licensed insurance agent about the lifestyle you want as you age. Together you assess what that care or help could cost, and look at ways to fund it. If it makes sense to move forward, you can start an application in the same conversation. If it doesn't, you leave knowing more than you came with.
What if I never need care?
The money doesn't simply disappear.
Policies like this are designed so that if you never draw benefits for care, a death benefit passes to the people you name, less any loans or withdrawals. Your agent will walk you through exactly how that works before you decide.
What if I don't qualify?
There are other paths.
Coverage depends on underwriting, and not everyone qualifies for every policy. If the first path doesn't fit, your agent will go through what else is available for your situation. You won't be left without answers.
Will inflation make my coverage worth less over time?
It can, unless you add protection.
You can add inflation protection that grows your coverage every year, whether or not you're using it yet, so it can better keep pace with the cost of care. It costs more to add, and it's worth asking about on the call.
Is Staying Power an insurance company?
No.
Staying Power is a licensed insurance agency. We work with Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company to offer coverage built around aging in place. We help with funding first, because it's what keeps every other choice in your hands.