Disability insurance policies pay you a benefit that replaces part of your earned income when you can’t work. You may be able to obtain short-term or long-term disability coverage, or both. In general, disability insurance can be split into three types: private insurance, group policies typically provided through your employer, and government insurance.
Long Term Care Insurance
Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. Insurance companies also consider other health conditions when determining your eligibility. If you buy your long-term care insurance before you develop one of the health conditions listed above, then your policy will cover the care you need for that condition.
We do not offer long term care policies. We simply review current polices or make new recommendations based on needs.