Yes, You Can Get Insurance for Long-Term Care
Long-Term Care Insurance Quote Encinitas CA
There are so many different types of insurance out there it can feel mind-boggling. A lot of the insurance people are never going to need, or at least the average individual. For example, a foot or hand model may ensure their feet and hands for tens of thousands of dollars or even millions of dollars, depending on their general annual revenue based on their work.
Most of us are never going to consider that type of insurance. We also may never consider travel insurance, especially if we never leave the country. Why would you even consider carrying some type of extra travel insurance if your regular health insurance is enough for emergency situations?
Long-term care insurance is a real insurance.
It’s not like pet insurance, supplemental health insurance, renter’s insurance, dozens of different types of insurance to protect your business, or anything else. Long-term care insurance is designed to help protect people in the event they or some other loved one who is covered under the policy may require long-term care.
What types of long-term care can be covered?
It might cover home care services, nursing home care, or even rehabilitation. What constitutes long-term care? Any time a person is going to require extended care beyond a few weeks or a couple of months. Long-term care usually constitutes several months to several years.
A person who is involved in an accident and is seriously injured might take years of physical therapy and healing before he or she can get back to some semblance of normalcy. Even after that they might require a caregiver to support them getting out of bed, with bathing, and other basic activities throughout the day. Just imagine the cost of that extended for year after year after year.
Long-term care insurance is a valuable asset for anyone who wants to protect themselves and their family financially and physically for the future. It may seem like an unnecessary expense, especially for somebody in their 40s or 50s, but a stroke, heart attack, accident, or other mishap could lead to the necessity for long-term care.
The vast majority of people who rely on long-term care insurance for seniors, and Alzheimer’s and other forms of dementia is certainly a reason to consider this insurance coverage.
The best thing you can do at this point in time is sit down with an experienced insurance broker to discuss the value and a quote for cost of long-term care insurance. When you calculate in the cost of long-term care against the cost of the policy, you realize what a valuable investment it could be.
If you or a loved-one are considering Long-Term Care Insurance Quote in Enicinitas CA, please contact Steve Elliott at Capstone Insurance for an honest discussion about your future and your options. Call today (858) 350-3161.
I work with all the major insurance companies and my objective is to help my clients determine if long term care protection makes sense for them and if so, to help them shop the market to find the best company at the best rate
I specialize in Traditional Long Term Care Insurance as well as Hybrid Long Term Care Plans which are either a combination of Life Insurance and Long Term Care or an Annuity Plan with Long Term Care
I’ve been specializing exclusively in Long-Term Care Insurance Planning for over 21 years.
Steve was recognized as a 2003 Long Term Care Expert of the Year at The National Long Term Care Producers Summit
2006 was awarded Senior Market Advisor of the Year Finalist by Senior Market Advisor Magazine
National Speaker for Numerous Industry Meetings
Awarded Nations Top 10 Agent 8 times by the American Association of Long Term Care Insurance
Author of numerous published articles on long term care planning
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