Long-Term Care Insurance

Long term care insurance and convalescent care insurance are designed to provide coverage for individuals who need assistance with their daily activities for an extended period of time. This type of insurance is becoming increasingly popular, as people are living longer and need additional support as they age. At Independent Insurance Services, we are dedicated to helping our clients find the coverage that is right for them and their families.


Long-Term Care Insurance discussion

What is Long-Term Care Insurance?

Long term care insurance is a type of policy that helps pay for the costs of long-term care services, such as nursing homes, assisted living facilities, and in-home care. The policy provides coverage for people who need help with their daily activities, such as bathing, dressing, and eating, but who do not require full-time medical care. This type of insurance can help cover the costs of care, so that individuals and their families do not have to deplete their savings or rely on government programs.

Long-Term Care Insurance

What is Convalescent Care?

Convalescent care insurance is a type of policy that provides coverage for people who need help recovering from an illness, injury, or surgery. The coverage is designed to help with the costs of rehabilitation and recovery, and can include services such as physical therapy, nursing care, and home health care. Convalescent care insurance can be a good option for individuals who need support after a hospital stay, but who do not need long-term care insurance.

Convalescent Care
Doctor in Nursing Home

How Does Long Term Care or Convalescent Care Insurance Work?

With long term care insurance, you pay a monthly or annual premium, and in return, you receive coverage for a set period of time. The policy typically includes a waiting period, during which you must pay for your own care, before the insurance benefits take effect. The amount of coverage you receive will depend on the type of policy you choose and the amount of your premium.


How Can Independent Insurance Services Help

At Independent Insurance Services, we understand the importance of finding the right long term care or convalescent care insurance policy. Our team of experienced professionals is dedicated to helping you find the coverage that is right for you and your family. We will work with you to understand your needs, and to find a policy that meets your budget and provides the coverage you need.

Long-Term Care Insurance Help
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6718 Loop Rd
Centerville, OH 45459