Long Term Care

What is Long Term Care Insurance

Getting older comes with its challenges and we Americans are living longer than ever.  Most of us will need some extra help with everyday activities.  70% of people turning 65 can expect to use some form of long-term care during their lives.  Long-term care is the kind of care you need if you are not able to perform normal daily activities without help: eating, dressing, transferring, and bathing.  It can provide care in your home, adult or elder daycare, an assisted living facility, or a nursing home. 

Incidents that bring rise to needing long-term care:

Car accident
Sports accident
Disabling injury
Multiple sclerosis
Other disabling condition
Old age

Hybrid Long-Term Care Policies

They are hybrid long-term care policies now being developed that bring some great benefits:
  • Death benefit – policy will pay an amount to the beneficiary of the policy if the long-term care feature is never utilized
  • Return of premium – similar to the above, if the long-term care feature isn’t used utilized a percentage of the premium will be returned
  • Guaranteed premium – premium will remain the same for the life of the policy
long term care insurance texas

Keen Coverage | Best Texas Insurance Firm

It is our job to shop multiple insurers on your behalf. We will invest the time to get to know you and your family’s background so that we can offer a full insurance plan.  This includes health, life insurance, long term care, disability, business, and surety policies.