Long-Term Care Insurance

Long-term care insurance to suit your lifestyle.

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.

 

Did you know long-term care is not covered by most medical insurance?

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.

What does long-term care insurance cover?

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.

Payment schedules may vary from policy to policy.

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.

Important coverage details to consider.

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.

Does your policy allow for inflation?

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.

CUSTOMERS ARE SAYING...

Terry Carroll saved me almost $100 month on my car insurance including a rental insurance policy. Awesome experience!
Jack Johnson
Jack Johnson
Terry is excellent in what he does
Leonard Palmer
Leonard Palmer
Terry is very professional and researches the best insurance plans for your needs.
Curtis Summers
Curtis Summers
I love having a hometown agent! Thank you, Terry and staff!
Kim Smith
Kim Smith
Great company.
Brad Davis
Brad Davis
Friendly and helpful!
Denise Roberts
Denise Roberts
Terry provided me with information almost immediately. He comparison shopped my policies and I was happy with the results.
Eva Marie Mitchell
Eva Marie Mitchell
Terry and his team will take care of you like you're their only customer.
Mark Riddle
Mark Riddle
always there for me
JIM BEASLEY
JIM BEASLEY
They take the time with you to get best coverage at price you need. Haven't had to file a claim but expect if I have to it will go well.
Jules James
Jules James
Creswell Agency has handled our personal and business insurance for many years. They are quick to handle any issues that come up and always get us the best rates possible.
Tammy Owens
Tammy Owens
WOW! We actually found an insurance company that has our back! Terry reviewed our policy's from another company and found that we did not have the correct coverage for our needs. As a result, we moved ALL of our insurance to Creswell Insurance. Terry is very easy to work with and is always available to answer questions and provides excellent customer service. We now have insurance coverage that better fits our needs and at a reasonable price! Thank you Dave Ramsey for helping us find the Crewell Insurance Agency in Milan, TN!
Dawn Woodruff
Dawn Woodruff
Glad to speak with someone who could answer my questions about coverage without stating they would get back to me.
Buddy Crenshaw
Buddy Crenshaw
Great folks working at Creswell Insurane Agency. Terry has been super helpful and was always easy to get in contact with.
Dale Ables
Dale Ables
Mr. Terry Carrol was very professional and his follow ups where very pleasant not pushy at all it was refreshing. Would and have referred him to others
Matthew Anderson
Matthew Anderson
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“How many people can say their insurance agent has called them after a hail storm went through, first to make sure you are ok, and second to make sure there was no damage? I can!”

- Mandy Latham Robertson

2038 W Van Hook St., Milan, TN 38358

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Your independent agents at Creswell are ready to find you the best coverage!

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