Many long term care contracts provide additional protection, including respite care, hospice care, adult day care and much more. Long term care insurance promotes independence, dignity and control. However most long term care insurance contracts are medically underwritten. Not everyone is eligible for coverage. Each insurance company determines their underwriting guidelines. Long term care insurance is the type of protection you cannot apply for when you are in need. The cost for this  form of protection rises with age and changing medical conditions.

Learn the differences between a Qualified Long Term Care and Non-qualified Long Term Care Contract. Know the difference between a Reimbursement and Indemnity Long Term Care Contract. Compare different contract features and premiums.

Determine what type of coverage is appropriate to meet your needs. Do you need lifetime coverage? Do you need inflation protection? Which elimination period should you select?

We can assist educating you about long term care and long term care insurance. Contact our office for more information.

Request a no obligation long term care quote.