Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.
Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them.
The cost of your long-term care policy is based on:
-How old you are when you buy the policy
-The maximum amount that a policy will pay per day
-The maximum number of days (years) that a policy will pay
-The maximum amount per day times the number of days determines the lifetime maximum amount that the policy will pay.
-Any optional benefits you choose, such as benefits that increase with inflation
We have the experience and dedication to make your Long Term Care planning easier and worry-free. Call us today and put your plan in motion. 318-742-4437