Long-Term Care Insurance
Personal and Financial Protection for the Long Term.
For most Americans, a traditional Life and Health Insurance package is enough to keep themselves and their families insured, but for many, additional coverage is required. At Hester, Heitel & Associates, Inc., we offer extensive coverage options that can insure the care of those who need it most.
Long-Term Care Insurance (LTC) helps provide for the medical expenses of extended home health care or nursing home costs beyond a specified period. In general, individuals who require Long-Term Care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance.
The costs of Long-Term Care can be quite expensive, and are typically not covered under basic Health Insurance, Medicare, or Medicaid. Long-Term Care Insurance from Hester, Heitel & Associates, Inc. can protect your family’s financial future by providing valuable coverage benefits for costs associated with:
- Home Care
- Assisted Living
- Adult Daycare
- Hospice Care
- Nursing Homes
- Respite Care
Individuals looking to purchase Long-Term Care Insurance must meet certain conditions in order to qualify for benefits. Talk to an insurance professional with Hester, Heitel & Associates, Inc. to learn more about Long-Term Care Insurance and whether you should add it to your current policy.