Protect your assets with Fial Insurance Agency
LONG TERM CARE INSURANCE (LTC)
Why Long-Term Care Insurance is Essential
Long-term care (LTC) insurance is crucial because it helps cover the costs of extended care services that health insurance, Medicare, or Medicaid may not fully cover. Here’s why you might need it:
- Rising Costs of Care – Nursing homes, assisted living, and in-home care can be expensive. LTC insurance helps cover these costs.
- Protects Savings & Assets – Without LTC insurance, you may have to deplete your savings or assets to afford care.
- Medicare & Medicaid Limitations – Medicare only covers short-term skilled nursing care, and Medicaid requires you to spend down assets to qualify.
- Provides More Care Options – LTC insurance allows you to choose from in-home care, assisted living, or nursing home care, without being limited to Medicaid-approved facilities.
- Relieves Burden on Family – It helps prevent your loved ones from becoming full-time caregivers or facing financial strain.
- Longer Life Expectancy – As people live longer, the chances of needing long-term care increase.
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This is why we differ
Expertise
Customized Solutions
Customer Service
Expertise You Can Rely On
With over 50 years of combined experience in the insurance industry, our team of professionals has the knowledge and expertise to provide you with the best insurance solutions tailored to your unique needs.
Customer Service
Customized Solutions
Customer Service
Exceptional Customer Service, Every Step of the Way
At Fial Insurance Agency, we take pride in offering exceptional customer service. We are always available to answer your questions, provide expert guidance, and help you navigate the insurance process with ease.
Customized Solutions
Customized Solutions
Customized Solutions
Customized Insurance Solutions for You
At Fial Insurance Agency, we understand that every client has unique insurance needs. That’s why we offer tailored insurance solutions designed to fit your specific situation. We work closely with you to understand your needs and provide the best coverage options available.
Value
Customized Solutions
Customized Solutions
Affordable, Quality Insurance
At Fial Insurance Agency, we believe quality insurance should be affordable. That's why we partner with a variety of top-rated insurance carriers to offer you the best coverage options at competitive prices.