Connecticut Nursing Home Insurance Policy Information

Connecticut Long Term Care Insurance Policy Information

There are six primary factors influencing the
premium for long term care insurance policies:

Type of Policy: Facility, Home Health Care, or
Comprehensive

Age: The most important element in determining the
premium. Naturally the earlier you start paying for long
term care insurance the better.

Daily Benefit: The maximum amount a policy will pay
for one day of care. This can vary from $50 per day to
over $400 per day. You will decide whether to
purchase sufficient insurance to cover all of these costs
or only most of them.

Benefit Limit: The number of years that a plan will pay
a benefit from the time you get sick. Benefit limits
generally vary from one year to lifetime coverage. The
longer the benefit limit, the greater the protection but the
higher the cost.

Inflation Protection: Sometimes called an "inflation
rider", this provides you with a way for your daily benefits
to increase over time. Otherwise, the policy may not be
sufficient to protect you many years from now. Long term
care insurance policies normally contain riders offering
automatic daily benefit increases of 5 percent each year,
either at "simple" or "compounded" rates.

Elimination Period: Amount of time that you agree to
pay out of your own pocket before the plan (policy) begins
to pay. This period normally varies from 0 to 100 days.
The 100-day elimination period will produce the smallest
premium cost to you.

Long Term Care Insurance (Nursing Care)

There are three levels of nursing care that are covered by
a Connecticut long term care insurance policy:

Custodial care: Care necessary due to a permanent or
chronic illness or injury, which is less intensive, but which
may continue indefinitely. This nursing care helps a person
perform activities of daily living or supervises a person if
cognitive impairment exists. Many custodial care situations
start with a mild degree of illness which is followed by slow
deterioration. Alzheimer's disease is one example where
custodial care is usually needed. Other types of insurance
policies do not offer custodial care benefits. The value of
long term care insurance for you or a family member and
protecting a lifetime of created assets is never more evident
than in custodial care nursing services.

Intermediate care: Rehabilitative care by a nurse for up to six months
and when less than 24-hours per day supervision is needed.

Skilled care: Short term nursing care needed after an illness or serious injury.
Consists of rehabilitative and intensive 24 hours per day care.

More Information on Connecticut

Long Term Care Insurance

Click on the link below to fill out a quote request form for a Connecticut
Long Term Care Insurance policy that will provide excellent long term care
insurance coverage at an affordable cost. Or speak with our Long Term
Care Insurance Agent Specialist at 203-351-9898 to discuss the features.

Click HERE to fill out a

Long Term Care Insurance Quote Request Form

We are your local Fairfield County insurance agency, offering affordable long
term care insurance policy services in the following Connecticut cities and
counties: Stamford, Norwalk, Greenwich, Darien, Riverside, Belltown,
Springdale, Round Hill, Old Greenwich, East Norwalk, New Canaan, Glenville,
Byram, Cos Cob, Mianus, North Stamford, Glenbrook, Wilton, Weston, Long
Ridge, Noroton, West Norwalk, Westport, High Ridge, Southport, North Wilton,
Winnipauk, Cannondale, Turn of River, South Wilton, Lyons Plains,
Georgetown, Ridgefield, Branchville, Redding, Topstone, Ridgebury, Redding
Ridge, Branchville, Dodgingtown, West Redding, Titicus, Hattertown, Bethel,
Danbury, New Fairfield, Newtown, Hawleyville, Botsford, Monroe, Bridgeport,
Stepney, Shelton, Huntington, Upper Stepney, Long Hill, Trumbull, Stratford,
Easton, Fairfield, Greenfield Hill, Stratfield, Nichols, Oronoque, Rivercliff, Devon,
Lordship, and East Bridgeport, New Haven, Hartford, Torrington, Waterbury,
Meriden, New Britain, New London, Norwich, Manchester, East Hartford,
Suffield, Granby, West Haven, West Hartford, Branford, East Haven, Hamden,
Woodbridge, Orange, North Haven, Groton, Rocky Hill, Newington,
Wethersfield, Glastonbury, Bloomfield, Blue Hills, South Windsor, Naugatuck,
New Hartford, Chesire, East Lyme, Old Mystic, Wallingford, Southington,
Middletown, Bristol, Laurel Beach, Litchfield, Pleasure Beach, Mystic, North
Westchester, Double Beach, Willimantic, Storrs, Canaan, East Windsor,
Vernon, South Canaan, Putnam, Guilford, Windham, South Britain, Willington,
Windsor, East Hampton, Brooklyn, Westchester, and everywhere else in New
Haven County, Litchfield County, Middlesex County, New London County,
Hartford County, Tolland County and Windham County, CT.

Long Term Care Insurance Policy Premiums

Long Term Care Insurance Features

Long Term Care Insurance Facts & Costs