Long-Term Care Insurance
Long-Term Care Insurance Quote Forms
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Long-Term Care Insurance Information
As the golden years approach, long-term care considerations take center stage. Wilber-Price Insurance Group is committed to ensuring life's later stages include financial security. Contact us today for a long-term care insurance quote.
What Is Long-Term Care Insurance?
Long-term care insurance is designed to provide financial support when you need extended care services due to aging, health challenges or disability.
After identifying your needs, we source a customized policy for you. You'll then pay regular premiums to uphold this coverage.
Certain preset conditions like cognitive challenges or needing help with daily tasks may trigger benefits. After activating your benefits, there's an elimination period during which you'll handle long-term care expenses before the policy takes over.
After the elimination period, your insurance may help cover qualified expenses according to the policy's terms. Many long-term care policies have dollar limits.
What Does Long-Term Care Insurance Cover?
Coverage provided by long-term care insurance policies varies by insurer, but may include the following:
- Personal assistance—Help with routine tasks like getting dressed, bathing and meal preparations
- At-home services—Assistance covering in-home needs like medical check-ups, therapy sessions and cleaning
- Facility living—Expenses for facilities offering personal care and medical aid
- Full-time nursing—Help covering the bills for licensed nursing homes that deliver 24/7 care
- Day programs for adults—Daytime initiatives that provide a mix of health, social and other essential services
- Temporary care—Short-term care providing primary caregivers some respite
Contact Us
Contact the Wilber-Price Insurance Group today for a long-term care insurance quote.
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