Long Term Care Insurance


Long Term Care Insurance gives you the opportunity to stay at home and protect your family from the strain of being full-time informal caregivers. Leave it up to a professional to attend to your needs, and let your family spend time with you, allowing them to continue their lives as well as your own.



Planning for Long Term Care
People often put off planning for long-term care because they do not want to think about a time when they might need it. Most people first learn about long-term care when they or a loved one needs care. However, if you wait until you need services to start planning, your options may be limited. You may not be able to find the information you need to make decisions. You may not have the money you need to pay for the services you want. Or you may have to rely on your family or others to make decisions for you.

It can make great sense and provide tremendous leverage for the premium dollar to provide you with long-term care insurance benefits. Today tax-qualified long term care insurance, in addition to tax-free benefits increasing for inflation, can provide Medicaid asset spend down asset protection through your state Medicaid LTC partnership. So, if you purchase $300,000 of LTC benefits, you will also be able to keep $300,000 of your own cash/assets from Medicaid spend down!

Today there are also linked benefit long term care plans that guarantee you a return of your premiums whether you live, die or quit. These policies can be either life insurance or annuities and are becoming increasingly popular. Our mission is to offer Long Term Care Insurance brokers and clients the best available rates and the right policy.

Whether a traditional or a linked benefit long term care plan is best for you depends on your individual desires and needs. Hettesheimer Insurance Agency is happy to help you determine which of these products are best for you. We represent the most competitive long-term care companies in the market!


Planning Helps you Understand
1. Services available for your family and in your community
2. Special conditions such as age or income that may apply to receiving services
3. Costs of the services
4. Public or Private payment options available