Long Term Care
Long-Term Care Insurance is a type of insurance developed specifically to cover the costs of services, including Activities of Daily Living services in your home, such as dressing, eating, bathing, etc., as well as care in a variety of facility and community settings. Most often, these costs are not covered by traditional health insurance or Medicare.
The costs of Long-Term Care can be devastating to families without adequate financial protection, both for those receiving care, and potentially the family members who are caring for elderly relatives.
Long-Term Care Insurance offers the opportunity to insure against these costs. Available benefits include return of premium with benefit periods lasting from two years to the remainder of the insured’s life.
Providing coverage options through the Texas leader in insurance, Higginbotham, we can help you begin early planning for Long-Term Care. This is important, as the longer one waits to purchase coverage, the higher the premiums.
Call and let our licensed insurance professionals help you design and implement a plan that fits your family’s specific situation.