Long-Term Care Insurance…For Protection Beyond Medicare

Long-term care insurance covers medical and non-medical expenses generally not covered by Medicare. The U.S. Government estimates that about 60% of individuals over the age of 65 will require some type of long-term care services during their lifetime.

These services include assistance in performing basic activities of daily living such as dressing, bathing, eating, using the bathroom, continence, getting in and out of bed, and walking. Long-term care insurance generally covers assisted living, adult daycare, respite care, hospice care, 24-hour nursing facility care, Alzheimer’s facilities, and home care. It can pay for a visiting or live-in caregiver, therapist or private duty nurse 24 hours a day, seven days a week if necessary.

The cost of these services can be expensive, and could deplete your savings quickly if not properly planned for. Having long-term care insurance reduces this financial risk.

Long-term care insurance rates are determined by six main factors: age, the amount of the monthly benefit, the length of coverage, the elimination period (period of time you have to pay for before coverage begins), inflation protection, and health classification.

Why Senior Embrace for Your Long-Term Care Insurance?

Comprehensive choice of plans

Several insurance companies offer long-term care insurance. We represent the majority of plans, so we will be able to review these options with you and help you select the plan that best suits your needs.

Expertise

There are many long-term care insurance plans. Benefits and premiums vary widely. The Senior Embrace team is knowledgeable on the advantages and disadvantages of these specific plans, and insurance carriers. We can help you determine which long-term care insurance policy is best for you.

We work for you, and only you

We are not employed by a specific insurance company and forced to sell that company’s products. Since we have access to several long-term care insurance policies, we can concentrate on helping you select the plan that is right for you.

We help you embrace retirement

Long-term care insurance is just one of the many services we offer to help you live the retirement you’ve worked so hard for. Our team will sit down with you, determine your goals and needs, and then develop a comprehensive plan that will help you live comfortably and happily in retirement.