Long Term Care
Long Term Care Insurance (LTCI) will do many things; one of which is to protect the assets you’ve worked so hard to accumulate. It is worth your time to consider LTC insurance and the younger you are, the lower the premium. There are many different options to choose from to adapt a policy to fit each individual’s needs.
We love to educate clients on the importance of long-term care insurance and all of the options with LTCI, if you want to learn about LTCI or just want a highly qualified professional to help you choose, contact us!
Some things to think about when shopping for Long-Term Care Insurance:
- Can my business deduct LTCI premiums?
- Can my spouse and I deduct any of our LTCI premiums?
- Does it cover nursing home, assisted living, home health care?
- What is the maximum daily benefit for nursing home care?
- Are there limits on the amount the policy will pay during a lifetime?
- Does the policy have inflation protection?
- Is there a waiting period?
- Will my policy also waive my premiums if my spouse goes on claim?
- What are the benefits of having a long-term care policy?
When shopping for long-term care insurance, call us and we will be happy to discuss the various options with you. We can help you design a policy to fit your needs.
Our Life & Health Insurance Team
Health Insurance
Checklist
- Evaluate your family’s needs
- Prioritize those needs
- Review plan options
- Determine your costs
- Consider HSA
- Differences of PPOs & HMOs
- Get coverage today
- Use it
- Don't let it lapse
- Stay Current
Life Insurance
Tips
- Get the right amount
- Start young
- Live healthy
- Know what policy you need
- Dual incomes? Cover both
- Prepay the premium
- Save money w/cash value
- Buy bulk
- Don't rely on employer only
- Stay Current
