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Long Term Care Insurance

Long-Term Care insurance is a type of insurance developed specifically to cover the costs of long-term care services, most of which are not covered by traditional health insurance, Medicare, or Medicaid. These include skilled and custodial services in your home, assisted-living, adult day-care, and in a facility. The services required to be covered by a policy are defined as the Activities of Daily Living. These are the activities we tend to take for granted each and every day. Needing assistance with things like eating, bathing, and dressing or a cognitive impairment on its own, help to trigger the benefits in these policies regardless of where you need care.

There is a great deal of choice and flexibility in long-term care insurance policies. It is important to work with a long-term care specialist to provide the expertise to “build” your plan. The plan design will always be tailored to your individual needs and maybe most importantly, your budget. You can select a range of benefit options that allow you to get the services you need in the setting that suits you best. The cost of your long-term care insurance policy is based on the type and amount of services you choose to have covered, how old you are when you buy the policy, your health, and any optional benefits you choose. Whether you are considering long-term care insurance for your self, a loved one, or for your business we can help you navigate the options. Additionally, business owners should be aware that they have a unique opportunity to leverage their company in this planning process.

Whether you are considering long-term care planning for yourself or your company – now is the time to learn how we can help secure your future. To find out more today about long-term care options, simply submit your information or call one of our specialists today.

LTC Solutions For Business Owners

 Business owners have a unique opportunity to build long term care insurance programs that cover only themselves and their loved ones while using a business check and still receiving a partial or full tax-deduction and the benefits are received tax-free. This is unlike any other benefit available to small and mid-sized business owners today and is appropriate for all classifications of business from the sole-proprietor to the C-corporation.

 Long Term Care Planning As An Employee Benefit

 The concept of adding Long Term Care Planning as an employee benefit is one of the most talked about topics today. However, to truly add value to your benefit package it needs to be more than just a discounted long term care insurance product. We specialize in customizing programs for employers with the objective of empowering employees to have a conversation with their loved ones they were uncomfortable having before. Whether you are interested in a voluntary discounted program or an executive carve-out we represent all the top carriers and have negotiated discounts that we can extend to your employees.

If  you are interested in learning more about Long Term Care Planning for your company please give us a call today at 856.795.4020 ext. 128 to set up an appointment.

Cumberland Insurance Group
The Hartford
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