Long-Term Care COVERAGE in Connecticut
Plan Ahead with Long-Term Care Coverage That Helps You Stay in Control
What is Long-Term Care Insurance and Why is It So Important for Connecticut Families?
If you or a loved one ever needs help with everyday activities, like bathing, dressing, or preparing meals, long-term care insurance can help cover the cost of that support. It gives families financial protection from the high costs of care, whether it's provided at home, in an assisted living facility or in a nursing home.
At CTBORN Insurance, I work with clients in Connecticut to explore long-term care options that fit their personal goals and financial plans. Whether you're planning ahead for yourself or helping a parent prepare for the future, I’ll walk you through your choices with care and clarity.
How Long-Term Care Insurance Works
Long-term care policies typically reimburse you for services that assist with daily living tasks if you're unable to perform them on your own due to aging, illness, or injury.
These policies vary in how benefits are triggered and paid, so it’s important to choose one that aligns with your expectations for care.
Where You Can Receive Care
Many people assume long-term care means moving into a facility, but that’s not always the case. Coverage can help pay for in-home care, adult day care, assisted living, and nursing home care. I help families understand what their coverage includes and how to plan accordingly.
When to Start Planning for Long-Term Care
The earlier you explore your options, the more affordable and flexible your coverage may be. I often recommend looking into long-term care insurance in your late 40s to early 60s, before health issues arise. This allows you to lock in better rates and ensure you're prepared for whatever comes next.