Long-Term Care Insurance
The need for long-term care assistance might come about because of a disability, injury, terminal condition, illness, or the frailties of old age.
Susan Polk Insurance Agency, Inc. is committed to assuring you peace of mind for all of your long-term care needs. Our team has the know-how to find exactly the right policy from the right company to make you feel safe and secure about your future.
Protect Yourself & Your Assets
Long-term care insurance can protect your financial portfolio and assets, as well as minimize your dependence on friends and family members. Some plans even qualify for the California Partnership for Long-Term Care program. This program allows policy holders to maintain a higher level of assets in their estate, even if they eventually need Medi-Cal to cover the cost of their long term care.
The Scope of Long-Term Care Insurance
Long-term care includes medical and nursing care for people who have disabilities or chronic (long-lasting) illnesses. Long-term care insurance helps you pay for these and other expensive services. A good policy can offer you control and choices about what services you receive, as well as when and where you receive them.
Who Needs Long-Term Care Insurance?
Most people who become age 65 will need some level of long term care in their lives. In addition, accidents and illness can strike anyone at any age and cause the need for long-term care.
| What Does Long-Term Care Insurance Cover? | |
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In-home assistance for daily activities |
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Visiting nurses |
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Community Programs |
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Adult day care |
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Care in a nursing home |
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Hospice care |
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Assisted living services in a residential setting away from your home |
When Should I Buy Long-Term Care Insurance?
According to the AARP, the best time to buy long-term care insurance may be when you are healthy and in middle-age. It's the time when you have the highest likelihood of being eligible for a policy and, just as important, when premium costs might be lower.
We Are Here to Help
We will give you a personalized assessment tailoring your coverage to address your specific needs and concerns. We are here to assist you in determining the right policy for your future. As always, our services are at no cost to you.
Just give Deborah Pirman or Susan Polk a call at (805)544-6454 or (800)242-6454.
We can also be reached by email at Susank@susanpolk.com or Deborah@susanpolk.com. Contact us today so we can get to work helping you come up with an affordable, comprehensive long-term care plan!