Our Long-Term Care Insurance Solutions

In-Home Care Coverage

This policy supportsthe costs of professional care services provided in the comfort of your home, including nursing care, personal assistance, and necessary home modifications.

Adult Day Care Coverage

Provides financial assistance for services received at adult day care centers, offering support while allowing you to remain engaged in community activities.

Assisted Living Facility Coverage

Covers the expenses associated with residing in an assisted living facility, including accommodation, personal care, and various support services.

Nursing Home Coverage

Offers protection for the costs of nursing home care, including room and board, medical care, and daily living assistance.

Frequently Asked Questions

What types of care and services are covered under this long-term care policy?

Policies vary, but they typically cover nursing home care, assisted living facilities, adult day care services, and home health care. It’s important to check if the policy covers all the types of services you anticipate needing.

How much will the policy pay per day or per month, and is there a maximum benefit period?

Benefits can range widely, from $50 to over $250 per day. Most policies also set a maximum benefit period, such as three years, five years, or lifetime coverage, which caps the total benefits paid.

What are the specific conditions or triggers that must be met to qualify for benefits?

Benefits are usually triggered by a medical professional’s certification that you cannot perform a certain number of Activities of Daily Living (ADLs) independently, such as bathing, dressing, or eating.

How will the premiums change over time, and is there any protection against rate increases?

Premiums can increase based on policy claims and changes in insurance costs. Some policies offer options to lock in rates or limit future increases, which can be more expensive but provide long-term cost stability.

Does the policy include any inflation protection to ensure coverage keeps up with rising care costs?

Many policies offer inflation protection, typically at an additional cost, which increases your benefit amount annually to keep pace with inflation and rising care costs, ensuring that the coverage remains adequate over time.

Insights

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Ready to Secure Your Business?

Your business deserves the best protection available. Contact us today to discuss your specific needs and how we can tailor a comprehensive insurance package for you. Our friendly, knowledgeable staff is here to assist you every step of the way.

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