Long Term Care
Get peace of mind and protect your lifestyle as you grow older by selecting from programs which provide comprehensive care in your home and/or community.
What is Long Term Care?
Long Term Care can be one of the largest healthcare expenses most Americans will face. While some may think that Long Term Care is “nursing home” insurance, it means much more than that. Today, Long Term Care (LTC) insurance means you have choices. Long Term Care can range from help with simple activities such as bathing and dressing – in the familiar surroundings of your own home – to skilled care in a nursing facility.
Simply put, Long Term Care is care that’s provided over a long period of time. It can be needed by anybody for almost any reason.
Simply put, Long Term Care is care that’s provided over a long period of time. It can be needed by anybody for almost any reason.
Who Pays for Long Term Care?
Should you ever require Long Term Care – in a facility or in your own home – how will you pay the bills? You have a number of options:
- You can “spend down” your assets to poverty levels and qualify for Medicaid coverage.
- Pay for care yourself (if you have sufficient funds or financial resources).
- You can purchase Long Term Care insurance.
Not everyone can qualify for coverage. You need to apply while you are still in relatively good health.
Whom should I select for Coverage?
Selecting a long term care insurance company is an important decision. You need to find a company you can trust to help protect your assets and lifestyle as you grow older. A company that’s respected and recognized as a leader in quality service and products. A company with an innovative portfolio of plans that offer comprehensive benefits, and with a proven track record of paying claims.
Hill Country Associates represents Unicare, Allianz, Mutual of Omaha and others in this important field of insurance.
