Nursing home expenses are incredibly costly today. Our long-term care specialists are ready to create a strategy to help you pay for long-term care, protecting your hard earned assets and relieving the stress of family members. Health insurance and Medicare do not cover long-term care, so it’s important to make sure you have coverage in case you become sick or disabled and can’t complete your daily activities.
There are asset based long-term care policies available which are not your traditional long term care plans. These plans involve purchasing a whole life policy or annuity, which can be used to pay for Long Term Care expenses, but if not used for long term care expense your money is refunded to your beneficiary as a Death Benefit. This is just one of the ways that Hummel specialist can create the perfect plan for you and your needs. We are committed to unbeatable customer service above all else and making sure you are protected from the unexpected.