Long-Term Care Insurance in Shelton, CT and Stratford, CT
At AJ Gambardella, we understand the importance of planning for the future, including securing long-term care insurance. This coverage is designed to cover the costs of care and services that traditional health insurance or Medicare may not cover. Contact us today for a long-term care insurance quote.
What Is Typically Covered in a Long-Term Care Policy?
Long-term care insurance can provide financial protection for individuals who need assistance with daily living activities. Policies typically cover the following:
- Daily living assistance—Including bathing, dressing, eating, transferring, toileting and continence care
- Skilled nursing care—24/7 care from licensed medical professionals, either at home or in a specialized facility
- Home health care—Professional medical and nonmedical care provided at home
- Adult day care centers—Community-based care and support during the daytime
- Assisted living facilities—Providing help with daily activities in a residential setting
- Memory care—Specialized care for individuals with Alzheimer’s or other dementias
- Hospice care—End-of-life care and support
- Respite care—Temporary relief for primary caregivers
- Therapy services—Such as physical therapy, occupational therapy and speech-language therapy
Who Should Get Long-Term Care Insurance?
Long-term care insurance is an important consideration for numerous individuals, including the following:
- Aging adults—This includes those who are approaching retirement age or are already retired and want to safeguard against potential future care expenses.
- Individuals with a family history of chronic illness—If chronic health conditions are common in your family, this insurance provides peace of mind.
- People without family caregivers—If you don’t have family members with the time and resources to provide care, long-term care insurance ensures professional assistance when needed.
Contact AJ Gambardella today for a personalized long-term care insurance quote.