As you age, you may need help with things you’ve always been able to do yourself – shopping for groceries, fixing meals, cleaning the house. You may also need help with personal services, like bathing, dressing or taking medications. A long-term care insurance policy is designed to help you pay for these types of services.
You value your independence and enjoy your home. You’re not planning to go anywhere…certainly not to a nursing home.
Your family means the world to you. You love spending time together and don’t want to do anything to jeopardize those cherished relationships.
You worked hard to plan for a comfortable retirement. Spending your life savings on long-term care services isn’t on your to-do list.
A licensed health care practitioner must certify you are chronically ill and submit a plan of care prescribing long-term care services.
When you purchase a long-term care insurance policy, you will select an elimination period during which time any costs for long-term care services are your responsibility.
You have the option to choose how to receive policy benefits. A traditional reimbursement benefit is payable after satisfying your policy’s elimination period. Or you can elect to receive a cash benefit with no elimination period to satisfy.
As long as you remain chronically ill and eligible for benefits, your policy will continue paying for covered long-term care services until your policy limit is reached.
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Determining whether long-term care insurance is right for you doesn’t have to be difficult. Let us help.
Talk to us, we're listening: 800-896-5988
Long-term care insurance is underwritten by Mutual of Omaha Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE, 68175 1-800-775-6000. Policy form: ICC13-LTC13. This policy has exclusions, limitations and reductions and terms under which the policy may be continued in force or discontinued. Benefits may be provided by a combination of the policy and riders and are subject to underwriting. Premiums will vary depending on the benefits selected. Premium rates may increase. A medical exam may be required for coverage. For costs and complete details of coverage, call your agent/producer or write to the company.
This is a solicitation of insurance. You may be contacted by an agent/producer.
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