Long-Term Care Insurance

We are often told that we need to plan for what happens after we pass away. We get life insurance to make sure our family is protected, we plan for our funerals, and more. But it’s important to remember that there are other situations that we may be faced with besides death. For example, we […]

Long term care insurance is one of the only financial tools that we have to protect your assets should you ever need any type of extended, long term care. It covers what health insurance, Medicare, and other forms of insurance won’t: nursing homes, home nurses, and other living facilities that a person may require for

Most seniors have a general understanding that at some point they’re going to be on Medicare, and that Medicare is generally good at meeting most of their needs. Here at Long Term Care Resources Pacific Agency (LTCR Pacific), we’ve helped many seniors get the right Medicare coverage for their needs and finances, and we encourage

Long term care insurance is one of the only protections that we have to ensure that we get the care we need should we ever require long term care, such as a nursing home or in-home nursing. The cost of this type of care can be substantial, and it is typically not covered by life

Many people believe that Medicare or health insurance will cover long-term care costs such as nursing homes, assisted living, or in-home care. However, Medicare (as well as most other forms of health insurance) generally does not cover custodial care, which includes most long-term care services such as assisted living facilities, nursing homes, and in-home nursing.

Insurance can feel complicated at times, as you try to determine the total amount of your policy, how fair your premiums are, and whether or not the details of the policy are advantageous to your long term financial status. Within every insurance policy are pages upon pages of details that outline each and every possible

At some point in our lives, we may be in need of high quality, long term care. But the costs of this type of care has ballooned over the past few decades, and is often a significant financial burden – and possibly inaccessible – for the majority of America. Health insurance and Medicare may cover

Requiring long-term care is one of the most expensive risks we face and can be devastating financially and emotionally. Owning an insurance policy with long-term care benefits can certainly help with these high costs. There are other benefits that may be part of a long-term care insurance policy including: LTCR Pacific works with all of

You have a busy life. Between family and work obligations, you have a lot going on. So even if you understand the value of long-term care insurance, purchasing a policy often isn’t a top priority. But you may not be aware there’s cost associated with waiting. It’s easy to put things off until tomorrow. But

If you’re not sure if you’re eligible to file a claim and begin receiving payments, you’ll want to ask. If you’re currently receiving care services, you’ll certainly want to initiate a claim within a couple weeks of those servicing beginning. Don’t be hesitant to check. That’s why you have the insurance. Most companies make it