The time may come when you will need assistance with many of the tasks of everyday living. Nursing homes, assisted living centers and in-home care are available, but they come at a cost. However, you may be able to get many of these expenses covered if you have long-term care (LTC) insurance. 

With the help of Schulte Insurance Agency, you can get LTC insurance that will offer personalized assistance for the costs that may come with needing extra care. We offer quality insurance solutions to all Southern California residents. We will be with you every step of the way to get the right policy. 

Call us at 760-436-5015 or request an LTC policy quote now.  

What Is Long-Term Care Insurance?  
A chronic illness, disability or another issue that may come with advancing age could lead to the need for professional care. The costs of care can create a financial burden for you or your family. Even if you have saved money for this purpose, you still may need cost assistance if you want to live comfortably. Long-term care insurance can help you pay these costs while also preserving your finances and easing the worries of your loved ones. 

Why Do I Need LTC Insurance? 
At some point in your life, you may need help moving around, dressing, bathing, eating, using the toilet or performing other activities of daily life (ADLs). Long-term care insurance can help you pay for those services. 

Even if you have health insurance, you may find that your policy offers limited (if any) coverage for long-term care costs. Some health policies may pay initially, but they often will not provide coverage in the long term. Ongoing care services may cost thousands of dollars, and you and your loved ones shouldn’t have to choose between receiving care and remaining solvent. The appropriate LTC policy will help you get the care you need. 

How Does Long-Term Care Insurance Work?  
An LTC plan may pay for numerous assistive services such as: 

• In-home care services

• Skilled nursing or rehabilitation facilities

• Assisted living facilities

• Adult daycare centers

Policies have different terms, payment structures and qualification periods that influence when and how much money you will receive for a claim. Your Schulte Insurance team will work with you to ensure that you get the policy that will help you get the care you need when you need it. 

How Much Does Long-Term Care Insurance Cost?  
Numerous factors may influence the cost of your LTC policy, and now is the right time to get coverage. We recommend that you purchase a policy early, as many insurers factor in age when setting policy premiums. The earlier you buy, the lower your price for coverage may be. 

Contact Us Today 
Don’t put off protecting your future. Contact Schulte Insurance Agency today to find the right LTC coverage. We’re here to make sure you get best coverage for your future needs.