Plan Ahead with Long-Term Care Insurance
Protect your future and ease the burden on your loved ones. Serving Visalia, Fresno, and the Central Valley.
What is Long-Term Care Insurance?
Long-term care insurance provides financial support for services that help with daily living activities, such as bathing, dressing, and meal preparation, when you’re unable to do so independently. This coverage is essential for protecting your savings and ensuring access to quality care at home, in assisted living facilities, or nursing homes. At Modern Edge Insurance Brokers, we help individuals and families in Visalia, Fresno, and the Central Valley plan for the future with tailored long-term care solutions.
Key Features of Long-Term Care Insurance
Comprehensive Coverage: Includes in-home care, assisted living, adult day care, and nursing home care.
Flexible Benefit Options: Choose coverage limits and benefit periods that fit your needs.
Inflation Protection: Ensures your benefits keep pace with rising healthcare costs.
Spousal Benefits: Options to include coverage for a spouse or partner.
Preservation of Savings: Protects your assets and reduces financial stress on your loved ones.
Frequently Asked Questions
Who needs long-term care insurance?
Long-term care insurance is ideal for individuals who want to protect their savings, ensure access to quality care, and avoid burdening their loved ones with caregiving responsibilities.
What does long-term care insurance cover?
It covers services like in-home care, assisted living, nursing homes, and adult day care for those unable to perform basic daily activities.
How much does long-term care insurance cost?
Costs depend on factors such as age, health, and coverage options. Contact us for a personalized quote tailored to your needs.
When should I buy long-term care insurance?
The best time to purchase long-term care insurance is in your 50s or early 60s when you’re still in good health and premiums are more affordable.
Does Medicare cover long-term care?
Medicare provides limited coverage for short-term skilled nursing care but does not cover most long-term care services.
