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Long Term Care Insurance

Long Term Care Insurance is intended to provide coverage in the event that one becomes chronically ill or experiences a life event requiring extended care.  You can be prepared for such unfortunate circumstances with Long Term Care Insurance from CNB Insurance Agency.

Please note: appointments are currently being conducted by phone.

Benefits of Long Term Care Plans:

  • Plans to transition with your level of care - home care, assisted living, nursing home. 
  • Extend your home stay - skilled home care, custodial, and homemaker services.
  • Potential tax credit - receive a 20% NYS tax credit on premiums with some policies.


Medicare and Medicaid Limitations

Federal and State programs may not meet your desired care alternatives or of all your long-term care needs, supplement with Long Term Care.

health insurance

NYS Partnership

Special Department of Health program designed to assist New York residents in planning for the costs of long-term care.

Expert Advice

Expert Advice

CNB Insurance Professionals are here provide timely education and advice to care for your total financial health through every stage of life.

Bank Office

Local Bank Offices

CNB Insurance Professionals will meet with you at any CNB local Bank Office.


Discover the CNB difference.

As the only local, full-service, community-owned financial institution in the Greater Rochester Area, CNB is investing in you, your business, and your community. At CNB Insurance Agency, we offer comprehensive solutions to help you protect what’s most important to you. Our expertise includes life insurance, wealth transfer, long-term care insurance, fixed annuity, disability insurance, estate planning services, and more.

CNB Insurance Agency is a wholly owned subsidiary of The Canandaigua National Bank and Trust Company. Products offered through CNB Insurance Agency are not deposits or obligations of, or guaranteed, or endorsed by, The Canandaigua National Bank and Trust Company. These products are not federally insured by the Federal Deposit Insurance Corporation or the Federal Reserve Board. Insurance Companies offering products through CNB Insurance Agency are independent of and not affiliated with The Canandaigua National Bank and Trust Company or CNB Insurance Agency.