Long term care insurance is protection for care not generally covered by health insurance or Medicare. Some people refer to this as nursing home insurance. But, did you know that 80% of all people receiving long term care services, receive them at home? Plus, if you have it, you are protecting your nest egg and you don’t have to spend down your assets to qualify for Medicaid. That’s why I call them peace of mind policies.

No problem. We’ll show you the options available. There may be quite a few out there you’re not aware of. Give us 15 minutes to show you what’s available. There’s no cost for the consultation.

That’s ok. There are many different types of coverage. “Blended contract” options might be a great solution for you.

We usually suggest purchasing in your 50s or early 60s. Coverage amounts vary quite a bit. We can develop a plan with you that covers all of this.

Absolutely. Nursing-home and assisted-living costs have increased by about 4% per year over the past few years. Home-care has increased by 1.3%. It’s important to factor those increases into the right coverage for you.

Absolutely. In many cases you can buy a ‘shared benefit’ plan that can save you money and let you ‘share’ the coverage. Not only that, but if spouses apply and are approved together, many companies offer substantial discounts. See us for more details.

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