DUNN INSURANCE SERVICES LLC

About Long-term Care

After my heart episode, I realized that the retirement plans for my wife and I could be at risk.  I feel better knowing that we are protected.
- Dick, Phoenix, AZ

Long-term care is about responsibility...
Responsibility to yourself and to your family

Many people plan their investments for retirement but don't consider the threat to their resources that an accident or partial loss of mobility could cause them. The chance of having to utilize some type of long-term care in one's lifetime is 60%. This could be from an accident, medical condition, disabling illness, or frailty. Disability insurance plans will replace a portion of your income while you are less productive. Only long-term care insurance pays for your care and rehabilitation allowing the decreased income to go further to take care of your family.

One of the most loving things you can do for your spouse is having a plan for your long-term care

Long-term care assists people who have lost some or all of the ability to care for themselves on a daily basis due to illness, an accident, Alzheimer's, or simply the frailty of aging.

To qualify* for long-term care benefits, an individual must need substantial assistance with cognitive impairment or two or more of these activities of daily living for at least 90 days: bathing, continence, dressing, eating, toileting, and transferring (moving from a bed to a chair or from a chair to standing, etc.).

Long-term care services can be provided in the home, through community resources, or in assisted living and nursing home facilities.

*Tax-qualified plans according to HIPAA, 1996 legislation

Types of Long-Term Care

Home Care

• Care received in your own home-often provided by family and friends
• Care services by professionals
• Personal care attendants
• Homemaker services
• Home health aides
• Therapists
• Nurses

Community Care

• Supports caregivers
• Adult day care provides drop-in care during the day.
• Respite care provides temporary overnight care as a relief for caregivers.

Assisted Living Facility

• Community, apartment-like setting
• Personal and custodial care available 24/7
• Spouse/Partner is welcome as a live-in
• Predominant choice for long-term care

Nursing Home

• Institutional or hospital-like setting
• Custodial nursing care 24/7
• Skilled nursing and therapy

 

Dunn Insurance offers LTC quote, LTC cost, LTC tax qualified, and LTC rates for AL, AZ, AK, AR, GA, ID, KS, LA, MO, MS, MT, NE, NV, NM, ND, OK, OR, SD, TX, WY.

Dunn Insurance Services LLC is a long term care insurance company offering LTC quotes, LTC cost comparison, LTC tax qualified premiums and rates.

NAIC partnership certified in 19 LTC long term care partnership states including AL, AZ, AK, AR, GA, ID, KS, LA, MO, MS, MT, NE, NV, NM, ND, OK, OR, SD, TX, WY. Proudly serving all major cities and towns such as: Athens, August, Birmingham, Mobile, Montgomery, Anchorage, Tucson, Phoenix, Little Rock, Fort Smith, Atlanta, Columbus, Boise, Wichita, Overland Park, Kansas City, New Orleans, Baton Rouge, Jackson, Gulfport, St. Louis, Independence, Springfield, Billings, Missoula, Lincoln, Omaha, Fargo, Bismarck, Oklahoma City, Tulsa, Norman, Sioux Falls, Rapid City, Portland, Austin, Dallas, Fort Worth, Houston, San Antonio, El Paso, Las Vegas, Albuquerque, Santa Fe, Cheyenne, and all points in between!

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