Long-Term Care

The primary reason American seniors are outliving their savings is the cost of long-term care. You can receive a quote for a long-term care insurance policy by clicking on the “Start” button.

Long-Term Care

The primary reason American seniors are outliving their savings is the cost of long-term care. You can receive a quote for a long-term care insurance policy by clicking on the “Get a Quote” button.

Schedule a Virtual or In-Person Meeting

The following are three types of income that could be relied on as income if you had a qualifying disability.

Self Insure

Long-term care can be expensive, but that doesn’t mean you can’t pay for it yourself. Click for the average cost of care in your area.

Insurance Policy

Leverage an insurance company by budgeting for a long-term care insurance policy that can pay for some, if not all, of your care expenses.

VA Benefits

If you served in the active military, naval, or air service, you might qualify for VA healthcare benefits. Click to find out if you are eligible for VA benefits.

Government Aid

Medicaid provides nursing home benefits to those who qualify based on income. Medicaid is one of the largest payers for health care in the United States.

What is the average cost of care without insurance?

Nursing Home w/

Private Room

Assisted Living

Facility

Home Health

Care

Not everyone needs insurance, but no one should go without a plan.

Long Term Care planning is crucial to ensuring a stable lifestyle for you and your loved ones as you age. Your planning should give you peace of mind, along with the freedoms of being cared for where you feel most comfortable, by the caregivers of your choice, and without compromising your loved ones’ lifestyle.

Ask yourself

Where do you want to be cared for?
at home or at a facility

Who do you want to care for you?
family or professionals

Who do you want to pay for your care?
you, insurance or your family

What Is Long Term

Care Insurance?

Long-term care insurance is a contract between you and an insurance company designed to pay for long-term services and supports, including personal and custodial care in various settings such as your home, a community organization, or other facilities.
Long-term care insurance policies reimburse policyholders up to a maximum dollar amount set by the policy owner at the time of purchase.
Long-term care is defined as needing hands-on assistance with any 2 of the following six activities of daily living: Bathing, Toileting, Continence, Dressing, Transferring, and Eating.
There are many long-term care insurance styles, ranging from single payment to lifetime payment, a limited benefit to unlimited benefits, life insurance & long-term care hybrid policies, and the list goes on. So be sure to make a comparison before deciding on a policy.

What Is Long Term

Care Insurance?

Long-term care insurance is a contract between you and an insurance company designed to pay for long-term services and supports, including personal and custodial care in various settings such as your home, a community organization, or other facilities.
Long-term care insurance policies reimburse policyholders up to a maximum dollar amount set by the policy owner at the time of purchase.
Long-term care is defined as needing hands-on assistance with any 2 of the following six activities of daily living: Bathing, Toileting, Continence, Dressing, Transferring, and Eating.
There are many long-term care insurance styles, ranging from single payment to lifetime payment, a limited benefit to unlimited benefits, life insurance & long-term care hybrid policies, and the list goes on. So be sure to make a comparison before deciding on a policy.

Schedule a Virtual or In-Person Meeting

*You are giving a licensed policy engineer permission to contact you by scheduling an appointment.

March 17, 2022

Try Not To Make This Retirement Planning Mistake

Long-term care is often overlooked and the costs are underestimated in retirement planning. On top of that long-term care, expenses are growing every year. The possibility of needing help taking care of yourself later in life is probably hard to imagine and most likely not on your priority list. If you forget to add this to your planning you might run out of your retirement savings before you know it.