Long-term care insurance throughout Virginia, including Martinsville, Christiansburg, Hillsville, Collinsville and Rocky Mount, and the surrounding states.

Long-term care insurance may be your best option if you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time. We’ll help prepare you for the unexpected.

While it’s great news that medical advances mean people are living longer, it does increase the chances of needing long-term care. This can be a costly service and is usually not covered by typical medical insurance.

The potential expenses of long-term care are wide-ranging and long-lasting, covering nursing home bills, day care services, home modification and assisted living facilities, among others.

Long-term care insurance will pay out to cover these costs (and give you peace of mind before those costs arise). Usually, there’s a limit on the number of years during which the long-term care insurance policy pays out, or on the total amount that can be paid.

Check the payment schedule carefully. Some policies will only pay up to a specific amount for each specific type of long-term care or associated cost. Others, usually described as “pooled benefits,” will pay out a total amount that you can split as required to cover your particular long-term care needs.

You’ll also need to check details including whether the long-term care insurance policy is restricted to approved or specified long-term care facilities, and exactly what medical examinations and assessments are needed to trigger payouts.

Remember that, as with medical insurance, pre-existing conditions–and the associated care costs–may not be covered for a set period after you take out the policy.

Finally, check if and how your policy allows for inflation. It could be years before you need to take out the benefits, and the long-term care could last for many years after that. Long-term care insurance coverage limits that seem adequate today may not be so when you come to need them.

Contact us to explore long-term care insurance coverage and if it may be a good fit for you and your family.

Let’s discuss your long-term care insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate long-term care insurance solution. There’s no obligation, just good-old-fashioned advice.
  • This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state.
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Burton & Company offers comprehensive long-term care insurance throughout Virginia, including Martinsville, Christiansburg, Hillsville, Collinsville and Rocky Mount, and the surrounding states.

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