Using Insurance Agents to select Long Term Care Insurance in Detroit

Insurance Agent Detroit

Detroit is the birthplace of mass-production automobile manufacturing and is known as Motor City. It is also home to the ‘Motown sound’. The city of Detroit has a rich musical heritage. In addition to its mechanical and musical heritage, Detroit also has its share of dedicated, professional insurance agents ready to assist in purchasing insurance products of any kind.

Detroit has its share of people in economic difficulty especially with current economic conditions. Whenever possible its best to work with an insurance agent to select long-term care insurance.

If you are considering long-term care insurance, you should check with a qualified insurance agent to determine if you afford this type of coverage or if the policy you are considering meets necessary standards. Find an insurance agent or broker highly trained in this product. One certification for insurance agents is offered by the Corporation for Long-Term Care Certification, Certified in Long-Term Care (CLTC). CLTC is dedicated to training insurance agents to solve clients’ long-term care needs.

Long-term care insurance (LTC or LTCI) is an insurance product sold to provide for the cost of long-term care that is not covered by health insurance, Medicare or Medicaid. An insurance agent can assist in selecting the best possible plan to suit your needs. This product is extremely complex and the premiums are very expensive.

You will want to work with an insurance agent in Detroit who represents a number of insurance carriers so that you can select from a number of policies.

Long-term care presents a dilemma in this country. People are living longer, becoming more debilitated and the cost of their care is skyrocketing. In days past people looked after their aged family members and perhaps, we are rapidly approaching that time, again.

People needing long-term care typically are not sick but are unable to perform the activities of daily living such as getting in and out of bed, dressing, bathing, eating and using the toilet.

Long-term care generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing homes and Alzheimer’s facilities. Home care coverage also allows for care in the home. This includes visiting or live-in caregivers, companions, housekeepers or private duty nurses, 24/7 up to the policy maximum. Insurance agents can help explain the coverage.

Medicaid generally does not cover the cost of assisted living although it will pay for medically necessary services for people with limited income.

With anticipated cuts in Medicare, Social Security and Medicaid ‘long term care insurance’ might fill a valuable need. An even better idea might be to place a thick rug in the garage and move ‘grannie’ home.