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Florida Long Term Care Insurance Information
Although people are generally living longer, many are requiring assistance in
their later years. Long term care services can be provided in your home, in an
assisted living facility or in a nursing home. In many cases the family is no
longer able to provide such care around the clock. Family members may not
live nearby, they may have other pressing family commitments, or simply
can't get the time off from work or away from the home.
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Florida Health & Life
Insurance Advisor
Palm Beach County, FL
163 Pennock Trace Drive
Jupiter, Florida 33458
Toll-Free Phone / Fax to:
1-800-577-9072 |
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According to recent data, 48.6% of people age 65 and older may spend some
time in a nursing home and 71.8% of people age 65 and older may use some
form of home health care.
Some people can pay the bill out of pocket, others will qualify for Medicaid
(welfare), but most of us will fall somewhere in the middle. A Florida Long
Term Care insurance policy can help protect your assets from the rising cost
of care.
Long Term Care insurance is often referred to as "asset protection."
Individuals need to have assets worth protecting in order to justify the
purchase of a policy. If you are able to pay Long Term Care insurance
premiums without having to change your lifestyle - you should transfer that
risk to the insurance company.
Three Types of Long Term Care Insurance Policies
Facility Only: Will pay benefits for care in a nursing home, assisted living
facility or board and care facility. It's the most basic policy but often the most
needed type.
Home Health Care: Will pay benefits for care in your home, but not in a
facility. The preferred policy when a home health care situation is possible.
Comprehensive: Will pay benefits for care in your home or in a facility. This
is the preferred type of plan (policy) because of it's flexibility, but is also the
most expensive.
A long term care insurance specialist will assist you in deciding which type
of policy will work best for your needs.
Long Term Care Insurance (Nursing Care)
There are three levels of nursing care that are covered by a long term care
insurance policy:
Custodial care: Care necessary due to a permanent or chronic illness or
injury, which is less intensive, but which may continue indefinitely. This nursing
care helps a person perform activities of daily living or supervises a person if
cognitive impairment exists. Many custodial care situations start with a mild
degree of illness which is followed by slow deterioration. Alzheimer's disease is
one example where custodial care is usually needed. Other types of insurance
policies do not offer custodial care benefits. The value of long term care
insurance for you or a family member and protecting a lifetime of created
assets is never more evident than in custodial care nursing services.
Skilled care: Short term nursing care needed after an illness or serious injury.
Consists of rehabilitative and intensive 24 hours per day care.
Intermediate care: Rehabilitative care by a nurse for up to six months and
when less than 24-hours per day supervision is needed.
More Information on Florida Long Term Care Insurance
Click on the link below to fill out a secure quote request form for a Florida
health insurance policy that provides excellent health insurance coverage
and services at an affordable cost. Or you can speak with our Florida Health
Insurance agent specialist, Neil Primack at (561) 254-1257 to discuss the
policy features in more detail.
Click HERE to fill out a Florida long term care insurance policy quote request form |
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| We are a Jupiter, FL insurance agency offering affordable Florida family health insurance policy quotes to residents of the following cities and counties: Stuart, Port St. Lucie, Palm City, North River Shores, Port Salerno, Jensen Beach, Hobe Sound, Jupiter Island, Port Sewall, Walton, Ankona, Fort Pierce, Palm Beach Gardens, St. Lucie, Vero Beach, Gifford, Indian River Shores, Indrion, Oslo, Eldred, White City, Lakewood Park, Riomar, Wabasso, Sebastian, Indiantown, Tequesta, Boynton Beach, Gulf Stream, Boca Raton, Lantana, Rainbow Lakes, Atlantis, Lake Worth, South Palm Beach, Palm Springs, Greenacres, Wellington, Haverhill, Palm Beach, Golden Lakes, Riviera Beach, Glen Ridge, West Palm Beach, Lake Park, Royal Palm Beach, Coral Springs, Fort Lauderdale, Parkland, Coconut Creek, Margate, North Lauderdale, Lighthouse Point, Hillsboro Beach, Deerfield Beach, The Hamptons, Highland Beach, Weston, Plantation, Playland Isles, Melrose Park, Lauderhill, Sunrise, Tamarac, Wilton Manors, Oakland Park, Lauderdale Lakes, Sea Ranch Lakes, Villages of Oriole, Pompano Beach, Lauderdale-by-the-Sea, Boca West, Boca Pointe, Juno Beach, North Palm Beach, Loxahatchee, Belle Glade, Palm Beach Shores, South Miami, Cutler Ridge, Princeton, Perrine, Naranja, Homestead, Florida City, Leisure City, Richmond Heights, Pinecrest, Howard, Coral Way Village, Westchester, Westwood Lakes, Brownsville, Sweetwater, Key Biscayne, North Bay Village, Miami Beach, Miami Springs, Virginia Gardens, Hialeah, El Portal, Miami Shores, Medley, Indian Creek, Surfside, Bal Harbour, North Miami, Biscayne Park, Pinewood Park, Opa Locka, Bunche Park, Hialeah Gardens, Palm Springs North, Carol City, Norland, Ojus, Miami Lakes, Biscayne Gardens, Hallandale, Sunny Isles Beach, Golden Beach, Aventura, Uleta, Miramar, Pembroke Pines, North Miami Beach, Hallandale Beach, Ives Estates, Pembroke Park, Coral Gables, Kendall, Dania Beach, Cooper City, Davie, West Miami, Hollywood, Broward County, Martin County, Palm Beach County, and Miami-Dade County, FL. We can also offer our Florida health insurance quotes throughout the Sunshine state, including in Miami, Orlando, Tampa, St. Petersburg, Gainesville, Tallahassee, and Jacksonville, FL. |
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