Long-Term Care Insurance
Long-Term Care Insurance Quote Forms
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Long-Term Care Insurance Information
At some point in your life, you may need long-term care; this could include help with everyday tasks such as bathing, dressing and eating. One option you have to help take care of yourself and afford the costs of aid is long-term care insurance. The cost of this care can be high depending on how long care is needed for. To determine if long-term care insurance could be beneficial for you, contact your Amato Insurance Group agent.
What Is Long-Term Care Insurance?
A long-term care insurance policy can help cover costs of care when you have a chronic medical condition. Most policies will help cover costs associated with the following:
Nursing home care
Assisted living care
You can’t wait until you already need long-term care to purchase a policy. So, it’s important to consider this insurance before the age of 50, when the possibility for care begins to increase.
How Does Long-Term Care Insurance Work?
To receive long-term care insurance, you first need to apply and answer health questions that will determine if you’re qualified for coverage. Once qualified, you can determine the amount of coverage you need. That coverage will then be submitted for approval and once approved, you begin paying monthly premiums.
When Am I Qualified To Begin Using Long-Term Care?
Under most policies, you may be eligible for long-term care benefits if you cannot perform at least two out of the six activities of daily living:
Caring for incontinence
You typically need to make a claim once you need care. Then, the insurance company will review medical documents and your claims. In some cases, they may send a nurse to evaluate you and determine whether such care is needed before approving the claim(s).
How Much Does Long-Term Care Insurance Cost?
The cost of your policy will depend on a variety of factors, including your:
Overall health status
Additionally, the amount of coverage you choose and the insurer through which your policy is written will affect your overall costs. To determine what your premium costs may be, contact your agent to discuss the factors affecting your policy.
Apply For Long-Term Care Insurance
If you think you’re ready to get started with long-term care insurance, your agents at Amato Insurance Group are ready to help you with your coverage. Contact an agent to receive more information and get started today.
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