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Comprehensive Long-Term Care Insurance with Marlow Campbell Insurance Group

Secure Your Future Care in North Carolina

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Marlow Campbell Insurance Group/ long term care insurance

Long-Term Care Insurance Provided By Our Agency

As you age, the likelihood of needing help with daily activities increases, even though it may be difficult to imagine right now. The critical question is: How will you pay for it?

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Nursing home care
In-home care & Nursing
Adult day care
Modifications to house
Major diseases coverage

Nursing home care coverage

Risk Factors

Some policies only cover nursing home care. It doesn’t cover assisted living facilities, which is important since this type of care is rapidly expanding.

Solution

Long-Term Care insurance should be considered to cover these expenses.

In-home care & nursing coverage

Risk Factors

You may end up paying for in-home care, including nursing care and physical therapies.

Solution

Many long-term care policies also cover in-home care, including nursing care, physical therapy and medical equipment.

Adult day care coverage

Risk Factors

You may have to pay them for their services from your pocket if you hire a caregiver.

Solution

Policies may cover community care, which usually means adult day care, so you don’t need to pay them all by yourself.

Modifications to house coverage

Risk Factors

You may need to build a wheelchair ramp for one of your family members because of their medical conditions.

Solution

Some policies may even pay benefits to family members who act as caregivers or cover home modifications, such as adding wheelchair ramps or installing safety devices.

Major diseases coverage

Risk Factors

A family member may be affected by a major disease and need continuous care, which may cost you money every single day.

Solution

Most policies cover care related to Alzheimer’s or other forms of dementia, but there are exceptions. Because this is a common condition, double-check that it’s included in your loved one’s policy.

What is Long-Term Care Insurance?

Purchasing long-term care insurance in Apex is a proactive way to prepare for future needs. Long-term care encompasses services not usually covered by regular health insurance, such as aid with daily activities like bathing, dressing, and mobility.

If you suffer from an illness like Alzheimer's disease or any chronic medical condition, a long-term care insurance coverage can help with these expenses. Most policies will reimburse you for care received in various settings, including:

  • Your home
  • A nursing home
  • An assisted living facility
  • An adult day care center

Types of Long-Term Care Insurance

Traditional Long-Term Care Insurance

This standalone policy focuses solely on covering long-term care services when needed. 

The policy comes into effect if you have serious cognitive impairment or cannot execute two of the six activities of daily living (such as eating, dressing, taking a shower, or transferring to a wheelchair). Your benefits start 30 to 90 days after you wait.

Hybrid Long-Term Care Insurance

This kind of insurance includes both long-term care and life insurance. With a hybrid policy, you can access the death benefit while alive to pay for long-term care. If you do not need care, your beneficiaries receive the full payout upon your death. Rates are non cancellable, meaning premiums remain fixed for life.

Why is Long-Term Care Insurance Important?

Approximately half of today's 65-year-olds would someday experience a handicap and need some long-term care services, according to a 2016 study updated by the Urban Institute and the U.S. Department of Health & Human Services. While most will need services for less than two years, approximately 14% will require care for more than five years.

Medicare only pays for limited home health care or short-term stays in a nursing home when skilled nursing or rehabilitation is needed; regular health insurance does not cover long-term care. It also does not cover custodial care, which includes supervision and help with everyday duties.

With long-term care insurance, you could pay for care out of pocket. Medicaid, the federal and state health insurance program for low-income people, can assist, but only after most of your savings have been depleted.

Purchasing long-term care insurance can offer peace of mind and protect your hard-earned savings. Maintaining sufficient funds in your savings for yourself and your spouse is possible by ensuring you can afford medical care if you fall ill. Additionally, your children won't be burdened with significant payments for your care.

If you have any queries about Long-Term Care Insurance or wish to compare different policies, contact Marlow Campbell Insurance Group in Apex today! We're here to help you secure the coverage you need.

Already have Long-Term Care Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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