Our Long-Term Care (LTC) coverage provides nursing-home care, home-health care, personal or adult day care for individuals above the age of 65 or with a chronic or disabling condition that needs constant supervision. LTC insurance offers more flexibility and options than many public assistance programs.
Why is Long-Term Care coverage important?
The Federal government or the Old-Age and Survivors Insurance Trustees states that more than 60% of senior citizens will experience a need for long-term healthcare at some point in their lives.
It is a very serious threat to the vast majority of senior citizens who do not have any protection. Many people assume that the government will take care of them, but unfortunately some seniors cannot qualify for LTC due to poor health or simply cannot afford the premiums. Some seniors do not believe in a potential financial disaster from a long-term care situation. The need for LTC coverage is a must.
For those without Long-Term Care coverage, we have good news for you. Over the last few years, there have been some highly innovative and cost effective solutions that have been developed to help individuals protect themselves. At the very least, we strongly encourage you to talk to us and we will help explore all of your different coverage options. To get started on a LTC that helps protect you the best against any tangible threats, contact us today!
HRG carries LTC products from the below companies.