Long-term care insurance
An experienced guide to help you
fund care down the road.
A common first experience with long-term care (LTC) begins when an adult helps an aging parent navigate the costs with rehabilitation after an illness or accident. It is then that the myriad of questions about what is covered by Medicare, Medigap, and basic health insurance begin to kick in. The frightening realization of how crippling monthly health care bills can be when basic coverage ends is what motivates most people to consider long-term care for themselves.
Our team is committed to holding your hand through this process — whether you are helping a parent, or if you are beginning to plan for “what if’s” yourself. There are several options in layering and supplementing policies, depending on your situation, that we can consider to take a cost-conscious approach with what is often considered a tough monthly expense to fund.
Click through our approach below to see how we can help you get started today.
We will begin by getting to know you, asking a few preliminary health questions, and understanding all of the family and advisors involved in your health and welfare.
The importance of long-term care.
It is estimated that almost 70% of people over the age of 65 will require Long-Term Care at some point in their lives. The State of Connecticut has partnered with private insurance in an effort to help you achieve your long term care needs.
Consider shared care.
One helpful feature of long-term care insurance policies is shared care. This is an extra feature you can purchase that allows a couple to share the benefits of each other’s policies.
Your long-term care specialists
- Robert W. Hensley, LUTCF
Member & Financial Advisor
ConnectRobert S. Hensley, CLU, AIF®
Managing Member &
SET UP A MEETING TO TALK
As you get older, you can feel better knowing there are steps you can take to ensure that your wishes (both medical and financial), are carried out the way that you want them. Having your decisions squared away and clear, so that there are no misunderstandings or second-guessing, can be the greatest gift you can give to your loved ones, and yourself.