Long Term Care Solutions

Get financial support for care at home, community living or facility care to ensure that you receive the support you need in your elder years without burdening your loved ones. Call Broadbent Insurance 800-280-2224 to learn more about your options.

Did you know?

73% of long-term claims begin with care at home. Many people associate long-term care (LTC) with nursing homes, but most care starts in a home- based setting and can remain there for an extended period of time.

Long Term Care — insurance in Newark, DE

What is long-term care?

Home Care- Receive care in the comfort of your own home or the home of a family member or friend.
Community Living- Caregiving facilities such as adult day care and continuing care retirement communities for individuals who are active and able to live independently.
Facility Care- Receive care through assisted living or full custodial care services.

Who needs long-term care coverage?

Most people over the age of 65 have a chance of needing some type of long-term care support in their life. And contrary to what many people believe, health insurance will not cover the cost of long-term care. Medicaid coverage is limited to individuals with assets under $2,000, and Medicare only provides short-term coverage (up to 100 days) following a qualifying three-day hospital stay.

Anyone can apply, but here is who it will benefit most:

Those concerned about potential long-term care costs and would like more choice, control, and flexibility over their future.
Couples that are facing potential long-term care costs and would benefit from a shared pool of funds to cover care expenses.

Various long-term care solutions

At Broadbent Insurance we offer a variety of long-term care solutions with guaranteed premiums and benefits to help meet your unique planning needs. Each solution offers your loved ones a death benefit in the event that some or all the LTC benefit is not used.

Life Insurance based long-term care – Provides coverage for an individual who is primarily concerned with covering LTC expenses.
Annuity based long-term care – Provides simplified coverage for individuals or couples that doubles or triples the contract value to help pay for LTC expenses.
Long-term care for two – Provides life insurance based LTC coverage as a shared pool of benefits for couples.
Long-term care add-on riders – The long-term care rider can be added to one of the life insurance policies to provide additional LTC coverage to people who are primarily concerned with death benefit protection.