Absolute Retirement Solutions

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Live Well. Retire with Confidence.

ABSOLUTE RETIREMENT SOLUTIONS

shield white 1

Live Well. Retire with Confidence.

ABSOLUTE RETIREMENT SOLUTIONS

Long Term Care
Insurance Companies Kansas City Metro Area

Absolute Retirement Solutions is an independent insurance agency that serves the Kansas City Metro Area. We are licensed with several major long term care insurance companies. We can help you determine if long term care insurance is right for you, and if so, which long term care insurance policies would be most effective for your unique situation. Are you wondering, “What does long term care insurance cover?” Depending on the policy, LTC insurance can cover a variety of services that aren’t covered by regular health insurance. Keep reading to learn more about LTC. Contact us today in order to receive a long term care insurance quote from one of our knowledgeable agents.

It’s not something that anyone likes to think about, but there’s a good chance that someday you’ll need assistance with the tasks of daily life. According to the U.S Department of Health and Human Services, almost 70% of people turning 65 today will need some kind of long term care services during the remainder of their lives. If you happen to be a part of that majority, how are you going to pay for your care?

People live longer (on average) than they used to; as life expectancy goes up, the need for long term care becomes a growing concern. It’s an important consideration in any long term financial plan, especially for those in the 50+ age range. Don’t wait until you need long term care to plan for it financially; you may not qualify for LTC insurance once you already have a condition that requires care. Contact us to learn more about the various policies offered by the long term care insurance companies that we work with. You can even meet with one of our agents in the Kansas City area; our offices are located in Overland Park, KS.

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Long Term Care Insurance Policies

Absolute Retirement Solutions can offer you long term care insurance policies from a number of the country’s top long term care insurance companies. Most modern LTC policies are comprehensive, meaning they usually allow you to use your daily benefit to pay for care services given in your home, adult day service centers, assisted living facilities, nursing homes, etc.

Your premium payments are based on a number of factors, including your age and health status at the time you are purchasing coverage. Sex also plays a role; women typically pay more for LTC insurance than men. That’s because they live longer on average and make more LTC insurance claims statistically. Married couples can get lower premiums than single people. Premiums will also depend on the amount of coverage you desire; if you want higher daily limits for your benefits, you’ll need to pay higher premiums.

Premium payments also vary by provider. We can help you choose from policies offered by our choice of long term care insurance companies. What does long term care insurance cover? Read on to find out.

 

What Does Long Term Care Insurance Cover

Standard health insurance does not cover the cost of long term care services. Medicare will only cover short nursing home stays and limited amounts of healthcare at home. When it comes to supervision and assistance with daily activities, you are on your own, unless you have LTC coverage. So, exactly what does long term care insurance cover? Long term care insurance policies allow you a daily benefit amount. It can cover the cost of services that assist with activities of daily living (ADLs). Individuals who need long term care are typically unable to perform at least two out of the six official ADLs without assistance. Those ADLs are getting dressed, bathing/grooming, eating, using the toilet, transferring in and out of beds and chairs, and walking.

Contact Absolute Retirement Solutions in the Kansas City Metro Area today to get more information on the coverage options offered by our preferred long term care insurance companies, or to request a long term care insurance quote.

 

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Long Term Care Insurance Quote

Are you interested in learning more about the various long term care insurance policies that you can purchase through Absolute Retirement Solutions? We can walk you through the details of options offered by long term care insurance companies that we are licensed with. Contact us today in order to receive a long term care insurance quote.

Live Well. Retire with Confidence.

ABSOLUTE RETIREMENT SOLUTIONS

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