Long Term Care Insurance

The cost of long-term care is on the rise. Protect yourself and your family with a Long-Term Care Insurance Policy. It helps protect your financial future and the people who matter most to you, against the high cost of long-term care.

Most people do not realize that more than 50% of the U.S. population will require some form of long-term care during their lives. Interestingly, 43% of all long-term care claims are for people that are under the age of 65.

When you’re under long-term care, whether it’s at an outside facility or in your home, you want to know that your finances are protected. Long-Term Care Insurance allows you to transfer some of the financial risk of these costs so that you can protect yourself.

You can choose your facility daily benefit amount, as well as a benefit period and waiting period.

Features of an INDEMNITY Long Term Care policy:

Benefit amount is paid directly to you the insured, not to the care provider
It provides you with more flexibility in the use of this money
No bills or receipts to submit for reimbursement

Take control of your care and protect your assets with Long-Term Care Insurance and maintain your independence.

Who should consider purchasing Long-Term Care insurance?

Small Business Owners: Long-term care insurance premiums can be tax deductible. Even if partially so, it’s worth it for you to take advantage of this deduction.
Anyone with an estate or assets to protect: Long-term care insurance will help you to protect what it has taken a lifetime for you to build. You should not have to give up your estate to pay for long-term care.
Anyone who wants to maintain their independence: With long-term care insurance you will not be a burden to your family and your friends. You will be able to maintain your standard of living and make you own care choices.

Take control of your care and protect your assets with Long-Term Care Insurance and maintain your independence.

Talk to one of our agents online or by calling (770) 339-0447.

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Limitations and Exclusions

This policy will not pay a daily benefit when:

Care is provided by immediate family members, outside the U.S.A., free of charge by or in a V.A. or Federal facility, during the elimination period, or for which the insured is not obligated to pay.
Care results from suicide, attempted suicide, intentionally self-inflicted injury, alcoholism or drug addiction, war or act of war, participation in a felony, riot or insurrection, or involvement in an illegal occupation.
Care does not qualify as Long-Term Care, is not included in the Plan of Care, or is given for which no charge is normally made.

Cowart Insurance Agency provides Long Term Care Insurance to all of Georgia, Including Lawrenceville, Suwanee, Buford, Sugar Hill, Dacula, Hoschton, Braselton, Flowery Branch, Jefferson, and Winder.