Long Term Care Insurance

We recommend you attend our free 90 minute seminar to learn more about:

  • The regular program
  • The NY State Partnership program
  • How to protect your life savings from Long-Term illness and nursing homes
  • What is Long-Term Care?
  • Who pays for Long-Term Care?
  • The future cost of nursing home and in-home care
  • Important facts about Medicare, Medicaid and Medigap plans
  • Options for paying Long-Term Care expenses
  • What to look for in a Long-Term Care insurance policy
  • Information on the New York State Partnership for Long-Term Care
  • How to include Long-Term Care coverage in a life insurance policy

 

Ask us about the many benefits of the Partnership policies. We have some helpful information in our website FAQs. Also, the NYS Dept of Health has informationhere and the NYS Insurance Dept has info here.

 

We will help you analyze your needs, explain numerous options and give you our advice based on your specific situation.

Did you know:

  • The estimated average Nursing Home daily rate in 2007 (Buffalo Region) was $244 ($89,016/year)?
  • Under the NYS Partnership Program, assets are 100% protected?


If you'd like a rough idea on the cost of Long Term Care Insurance, you can contact us at (716) 683-4491, or submit the following secure Hushmail form below. Your message will be encrypted and sent to our secure email server. (Close this browser window after submitting form.)

 

Estimated premium quote will be based on:

  • NY State Partnership policy, Total Asset Protection
  • 3 years of Nursing Home care, 6 years of Home Care, or a combination.
  • standard rates
  • a benefit trigger of 2 ADLs (Activities of Daily Living)
  • 5% compound interest
  • Annual payment
  • Daily amount $250
  • Elimination (deductible) period of 90 days

 

For more information, email us atinfo@thilldemerly.comor send us an encrypted email using this link:https://forms.hush.com/thilldemerlyagency