Complete & Cost-Effective
Long Term Care
Later in life, many people aren’t able to completely care for themselves and require aid for everyday necessities. Unfortunately, Medicare won’t cover these expenses. Our experienced team can help you get the assitance that you need through finding the right Long Term Care plan for your specific situation.
What is Long Term Care?
Long term care may help pay for the cost of care for those who need help with Activities of Daily Living (ADLs) such as bathing, dressing, transferring, toileting, continence, and eating. It can include a broad range of services, provided in any setting outside of a hospital such as a home, assisted living facility, or nursing facility. The policy helps pay for services that may not be covered under Medicare.
Who Needs Long Term Care?
About 19 percent of Americans over the age of 65 experience some degree of physical impairment that requires long term care. About 55 percent of Americans over the age of 85 require some type of long term care. Younger individuals with certain physical disabilities or cognitive impairment may also benefit from the policy.
Long Term Care Insurance Limitations and Exclusions
Long term care insurance policies will not pay for services or treatment when conditions stem from attempted suicide or self inflicted injuries. Benefits will also be denied if conditions were caused by participation in a felony or illegal activity, including treatment for drug addictions. Insurance benefits may be denied if injuries or conditions are covered under federal workers’ compensation laws.
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Coverage may also be declined if individuals have the following pre-existing conditions:
- Alzheimer’s Disease
- Severe arthritis with functional limitations
- Diabetes which is not under control
- Cancer within the past 6 months
- Parkinson’s Disease
- Congestive Heart Failure within the past 6 months
- Emphysema, if severe or still smoking
- Chronic Obstructive Pulmonary Disease, if severe or still smoking
We Can Help You Find the Right Policy
Instead of trying to navigate the confusing insurance marketplace alone, contact us today to request help from our experienced team of agents. We understand the ins and outs of the industry and will be able to help you find the long term care plan that’s right for you and your family. Oh, and our expert advice is always free.
Step 1: Contact an Agent
Our expert team of agents is awaiting your phone call. We have served over 150,000 Floridians, like you, in the past 30 years.
Step 2: Compare Plans
Your agent will work with you, explaining all of your options and giving their expert advice to find the perfect plan that fits all of your needs.
Step 3: Finalize Your Policy
In one phone call, we’ll finalize your policy.
CALL MURRAY INSURANCE TODAY!