Why You Should Have Long-Term Care Insurance

Life is often unpredictable. With every twist and turn, you never know what life will bring your way. By opening a long-term care insurance (LTCI) policy, you never need to fear what may lie ahead. This type of insurance covers the cost of home health care and provides the funds needed if you suffer from an injury or serious health condition.

Please contact Stephen for your personalized group quote. Phone 713-664-1200 or email Stephen@stephenwherbert.com

Long-Term Care Insurance When You Need It Most

If you become disabled or begin to suffer from a medical problem that limits your ability to work, then long-term disability insurance becomes a type of income source to pay for healthcare services. This type of insurance offsets the cost of home health care, and it provides the funds needed for daily medical expenses.

Some of the most common long-term care services covered include:

  • Home Healthcare Services
  • Physical Therapy
  • In-Home Personal Care
  • Adult Day Service
  • Assisted Living Care
  • Nursing Home Care

Long-Term Disability Insurance: More Affordable Than You Think

Take care of yourself and your family by allowing Stephen W. Herbert & Company to find a plan that is right for you. Our Houston insurance agency can locate a long-term care insurance policy that is less expensive than you might think. The cost of coverage is based on your age and health when you apply. The younger and healthier you are, the lower your premiums. Ask us for a long-term care insurance quote today!  Some of the features of disability insurance include:

Some of the features of disability insurance include:

  • Protects Your Retirement Savings for Their Intended Purpose
  • Reduces the Burden of Care That Falls on Your Family Members
  • Controls Where You Receive Care, Allowing You to Choose between:
  • Nursing Homes
  • Assisted Living Facilities
  • Adult Day Care Centers
  • Home Care Settings

The Importance of Having LTC Insurance

Unfortunately, injury, sickness, or disability becomes more likely as you age. If any of these occurs, you may not have the ability to provide for yourself or your family. Ease your burden with an LTC insurance policy. Long-term care is a vital part of retirement planning. Allow our friendly, experienced, and independent insurance agent to help you choose a policy.

Contact us to discuss your health insurance needs with our knowledgeable and friendly insurance agent. We proudly serve clients in Houston, Bellaire, Sugar Land, Spring, Friendswood, Missouri City, Pearland, League City, Baytown, The Woodlands, and Pasadena, as well as all of Texas.

insurance products we offer: