Desanctis Insurance Specialists LLC

Content on this page requires a newer version of Adobe Flash Player.

Get Adobe Flash player

 
 
Long Term Care Insurance

What exactly is Long Term Care Insurance?

A Long Term Care (LTC) insurance policy helps cover the cost of the long term care, picking up where health and disability insurance leave off. LTC refers to help with daily activities such as eating, bathing or dressing over a long period of time. It can also include help for those suffering from a severe cognitive impairment such as Alzheimers disease. LTC is generally provided in the patient's home, an assisted living facility, or a nursing home.

Why Would I want Long Term Care Insurance?

There is a strong possibility that at some point in your life you will need Long Term Care. Long Term Care is expensive. The national average cost for a semi-private room in a nursing home is $70,000 annually. By 2030 that cost is expected to more than double. In most cases, health and disability insurance cover only a fraction of the Long Term Care costs.

Don't expect much help from Medicare or Medicaid either. Medicare pays for skilled care for a limited period of time and does not cover custodial care except some incidental homemaker services. Medicaid covers some long term care but not until you and your spouse "spend down" nearly all of your assets.

How Much Does LTCI Pay And For How Long?

The premiums depend on the benefit amount and payout period you choose. Typically I recommend policies that pay for 2-5 years and based on the current nursing care facility costs I recommend $160 daily benefit. The bottom line is this: If you want access to the highest quality care and don't want to trade the wealth you've accumulated over a lifetime to pay for the care, you need Long Term Care Insurance.

Apply now for a free quote by completing the form below.

* indicates required

Long Term Care Free Quotation Form

To help us supply you with the most accurate quote possible, please answer as many questions as you can with the most accurate information available to you. Information submitted will be held confidential and will be used for quote purposes only. Submission of application information in no way obligates you to purchase any product or insurance, nor does it represent any agreement to provide coverage under any insurance policy.

Please note that completion of the following request for information does not constitute the purchase of insurance. No coverage may be added, changed or bound as a result of submitting this request for information or quotation of insurance. All coverage must be confirmed by the agency in writing subject to an acceptable signed application meeting the underwriting guidelines of the insurance company.

General Information
* Name:
Address:
City:
* State:
  * Zip:
Phone:
Best Time To Call:
AM   PM
* E-mail Address:

Information About You and or Your Spouse
Please enter information below for all to be covered.
SELF SPOUSE
Name:
Date of Birth:
Sex:
Male  Female Male   Female
Marital Status:
Married   Single Married   Single
Occupation:
Height:
ft . in. ft . in.
Weight:
bs. lbs. .
Smoker:
Yes   No Yes   No

Have you had any of the following health conditions:

 

Current Household Income:

Heart
Cancer
Diabetes
HBP

Heart
Cancer
Diabetes
HBP

 


Medical Background
Have you used any form of tobacco products? (cigarettes, pipe, chew, nicotine gum or patches)

  Past 60 months: Yes   No
  Past 36 months: Yes   No

Have you ever been rated or declined for health insurance?   Yes   No

If so, why?

Have you ever been treated for high blood pressure or cholesterol?   Yes   No
Has any member of your family (parent or sibling) died from coronary artery disease prior to age 60?   Yes   No
Is there a family history of colon or prostate cancer (for male applicant) or breast, ovarian, or colon cancer (female applicant) in a parent or sibling prior to age 60?   Yes   No
Are you currently taking or have you been advised to take any prescription medications?   Yes   No

If so, what type and why?

Have you had a DUI / reckless driving conviction in past 5 years or 3 moving violations in the past 3 years?   Yes   No

Comments or Questions

 
 

HOME | LIFE ISURANCE | LONG TERM CARE | MEDICAL SUPPLEMENT | ANNUITIES | CONTACT US

-