Insuring the health & future of you & your family
Insuring the health & future of you & your family

Long-Term Care Insurance Q&A

Ask a Pro

Long-Term Care Insurance

Q: What is a good age to purchase a long-term care insurance plan?

A: Most people are beginning to consider long-term care insurance at about age 50 although some younger than that are making the purchase as part of their retirement plan. Age is not the only consideration. Adverse health conditions are the biggest reason people are unable to get long-term care insurance. It is important to get your coverage in force before you are diagnosed with a health condition that might disqualify you. An experienced long-term care insurance specialist will be able to discuss the underwriting guidelines with you.

Q: I am 75 years old and had breast cancer three years ago. Will it be possible for me to get long-term care insurance and if so, how much might it cost?

A: As independent brokers we have access to nearly every major insurance company. Some companies won’t accept an application until five years have passed since the last treatment for the cancer, however, we do have access to a company that will accept an application after only 24 months have passed. The coverage can be tailored to meet your own individual financial needs.

Q: Do long-term care insurance policies cover the charges for adult day care?

A: Yes, the companies that we work with cover all of the different places you may need to receive care, including adult day care, foster care, nursing home care, home health care and assisted living facilities. We feel it is best to have this type of comprehensive coverage because there is no way to know in advance which setting will be the most appropriate when the time comes. Your premium will be determined by how much you need the company to pay. Call our office for a quote.

shutterstock_148088459-800

Individual & Family Plans

Individual & Family Plans

From low to high deductible health plans to plans with office copays that will also cover alternative care, we have them all! We can easily explain the differences in each plan so you can select the coverage that’s just right for you.

More Information
shutterstock_128111093-800

Medicare & MedAdvantage Plans

Medicare & MedAdvantage Plans

Whether it’s working your way through the Medicare maze, deciding on your Part D prescription drug coverage or finding the best long-term care insurance plan, we can help!

More Information
shutterstock_208005730-800

Long Term Planning

Long Term Planning

There is no substitute for advance planning to protect our future and our loved ones. Whether it’s long-term care insurance, tax-deferred annuities or life insurance, we can show you several options and you select the one that best suits your personal needs.

More Information
shutterstock_149625803-800

Dental & Vision

Dental & Vision

Dental procedures are very expensive in this day and age. We have several dental insurance plans to choose from . . . some even include an option to add vision coverage. These are available to individuals as well as employer groups.

More Information

Consulting

Our agency offers consulting services. Perhaps you have a policy that you plan to keep but want someone to look it over and explain what it covers and how it works to give you the peace of mind that you are adequately covered. This is particularly critical with some of the older long-term care and life insurance policies.

More Information