Long Term Care Insurance Planners is a full service brokerage firm that has specialized in Long Term Care Insurance planning for over 18 years. We are proud to have clients in over 42 states and take pride in the level of education we provide our clients about the options available to them in the LTC Insurance market.We represent more than ten of the top-rated LTC insurance carriers and our main objective is to assist you in finding LTC Insurance coverage at competitive premiums. LTC Insurance proposals are provided by LTC Insurance planners located in Maryland. Our services include coaching you through the application process to assisting you at claim time. We will be there for you if the need arises, assisting and guiding you through the LTC Insurance maze.It is important to know which facilities and services are covered under your LTC policy. LTC insurance policies usually cover assistance with activities of daily living such as eating, bathing, dressing, toileting, transferring, and continence. Make sure the policy quote you are considering offers the benefits you or your family members might need. Listed below are services a long term care policy might cover:
- Nursing home services: Care in a licensed nursing facility.
- Assisted living services: Care in a licensed assisted living facility.
- Home health care services: Home Health Care includes skilled care or personal assistance in your home by a licensed home health agency. Insurance coverage may include part-time skilled nursing care, physical therapy, and assistance with activities of daily living.
- Adult day-care services: Care in licensed adult day-care facilities. These programs provide daytime care to individuals who do not need to live in a nursing home. Typical benefits include nursing or therapeutic care, social and educational activities, or personal supervision because of “cognitive impairment,” such as Alzheimer’s or a similar disease.
- Other services: Other Insurance benefits or options may include:
Respite care – Care provided to give family member caregivers time off;
Recovery period benefits – Care after a stay in a hospital;
Home assistance services – LTC Insurance coverage to help with chores like cleaning and shopping, and training for family members.
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