Endorsed Insurance Services

Long-Term Care Insurance

Individual Long-Term Care InsuranceLong-Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.

Rising life expectancy means that the potential need for “long-term care” grows with every passing year of your life. The likelihood is that you or a member of your family will need long-term assistance due to a prolonged illness, a disability, or general deterioration of your health and ability to perform routine daily activities.

Most long-term care expenses are not covered by Social Security or Medicare, Medicare Supplement (“Medigap”), or private health insurance. Medicaid pays for nearly half of all nursing home care, but you must meet federal poverty guidelines and may have to “spend down” most of your assets on health care.

David Clemons offers free, comparative quotes on long-term care insurance from multiple insurance carriers so you can get the best possible rate.

Want to see if long-term care insurance is appropriate for your situation? Request a consultation today to find out.

May 18th, 2017 by David Clemons Insurance Agent