L.H. Brenner Insurance
Connecticut
Long Term Care Insurance
Your L.H. Brenner agent will help you identify your insurance needs to provide quality coverage at a better value. They will also clearly outline the coverage terms, conditions and premiums and what it will not cover. They are there for you every step of the way to assist you when you need to file a claim.
How would you like to get in touch?
FAQs
There are many elderly people who due to some physical or cognitive disease, are unable to care for themselves. Long Term Care insurance would cover nursing homes, assisted living facilities, adult day care, in-home care and other functions that help us get through everyday life.
Long Term Care Insurance is also not just for the elderly. If a 30 year old purchased Long Term Care Insurance and soon after became paralyzed in an accident, or was diagnosed with a degenerative disease, Long Term Care Insurance could provide coverage for life.
While the wording may differ from policy to policy, there are three basic categories into which care may fall: home settings, assisted living and skilled nursing facility. The ideal policy will cover all three, since one never knows the type of care that will be needed. A person could have conditions where home care is possible but their policy only covers nursing home care. This person would have no coverage or be prematurely forced into a nursing home. Care cannot be substituted for another in a Long Term Care Policy.
If a person is in need of nursing home care, for example, and is without Long Term Care Insurance, the nursing home would be paid for out of the person’s assets. Government assistance would usually not begin until that person and their spouse’s assets were virtually depleted. It’s important to consider how long your assets and retirement funds will last if you don’t have Long Term Care Insurance.
What Our Customers Say
“They respond great and are a great resource to our company! Thank you L.H. Brenner”
Caleb Roseme
“Been a client for over 10 years. I wouldn’t even consider going anywhere else for my insurance needs.”
Mark Richter
“They respond great and are a great resource to our company! Thank you L.H. Brenner”
Peter Yoo
Connect with us
Speak to a Long Term Insurance Expert Today
Get in touch with our team of experts to find you the most coverage at the best rate.
Contact us
Questions?
Please contact
Benefits Agent
Email: sredente@thompsonandpeck.com
Located across Connecticut