Long-Term Care Insurance

When it comes to Long-Term Care Insurance, the team at Madison Brokerage can help you guide your clients into the future with confidence. Our goal is to help you find the right plan to protect their assets and well-being, as well as making sure they will have choice, control and independence should the need for long-term care arise.

Long-term care needs are most often due to the normal aging process, but it can also be necessary due to an injury or illness. A long-term care insurance policy is a policy that pays some or all costs of nursing home care for qualified policy owners. Premium payments stop when the insured meets the qualifications for long-term care, which include medical necessity, cognitive impairment, and inability to carry out certain activities of daily living. Group policies are available. To qualify for benefits, policy owners don’t have to be gravely ill, just unable to perform one or more of these daily activities for living – getting dressed, bathing, eating, getting in/out of bed, using the bathroom, or walking. Benefits paid can either be a reimbursement for care/health expenses or a single check paid monthly

For more information on Long-Term Care please contact Brian Lamb at 973-200-4768 or blamb@madisonbrokerage.com

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