Long-Term Care Insurance

One of the primary reasons that many people – regardless of income, savings, retirement, and more – need long term care insurance is that long term care can be considerably expensive. Those that need long term care often require it for more than a year, and this type of care is not covered by health

Thanksgiving is right around the corner. Most likely, you’re going to spend time talking about your kids, talking about the food, talking about work, and catching up on various world events. At Long Term Care Resources Pacific Agency (LTCR Pacific), we want to remind you that it’s not often that all your family is in

We’re on the cusp of the holiday season, when many of us are looking forward to spending time with friends and family. Now is also a great time to talk about long term care. November is Long Term Care Awareness Month, partially because so few people like to talk about – or think about –

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