Long Term Care

Long-term care insurance is designed to cover services that help meet health or personal care needs over an extended period. This can include care in various settings such as your home, a nursing home, or an assisted living facility, primarily for assistance with daily activities and medical care.

Anyone concerned about their future health, maintaining independence, and protecting their assets as they age should consider long-term care insurance. It’s especially important if you want to avoid burdening your family with the cost of care.

The optimal time to buy long-term care insurance is in your mid-50s to mid-60s, while you are still in good health and more likely to qualify for lower premiums. For detailed guidance tailored to your situation, consider scheduling a free consultation with River City Senior Benefits.

The cost of long-term care insurance varies based on age, health status, the level of coverage, and when you buy the policy. To get a precise estimate and explore payment options, contact River City Senior Benefits for a free consultation.

Long-term care insurance typically covers services such as nursing home care, home health care, and assisted living facilities. It also covers care for chronic medical conditions and assistance with daily activities like bathing, dressing, and eating.

Yes, many long-term care insurance policies provide for home health care to support you in staying in your home as long as possible. For specifics about what your policy can cover, please reach out to River City Senior Benefits.

The benefit period can range from a few years to a lifetime, depending on the policy you choose. Our experts at River City Senior Benefits can help you decide the right benefit period based on your needs and financial plans.

Yes, there are several types, including traditional long-term care policies, hybrid policies that combine life insurance with long-term care insurance, and short-term care policies. For a clear understanding of each and help choosing which is best for you, consult with River City Senior Benefits.