Plan for the unexpected. Secure your future.
Long-term care insurance can cover the cost of care and living expenses after a policyholder loses the ability to perform two of the six qualifying Activities of Daily Living (ADLs) or suffers a severe cognitive impairment for 90 days or more.
Examples of severe cognitive impairment include, Alzheimer’s disease, dementia and other impairments related to brain injuries.
A more personal and less institutional approach. That’s what we offer our clients. By making policies personal, we help you worry less and accomplish more.
If you’re an employer interested in providing long-term care insurance to your employees to better protect their health in retirement, we’ll advocate in your best interest. First, we’ll understand your specific needs. Then we’ll get you the most competitive prices today and use our Day Two Services® to deliver value for hundreds of tomorrows.
To learn more about how our values-based approach drives value for you and your employees, click here.
Or visit our Insights page to learn more about what long-term care policies cover.
Long-term care insurance covers long-term care services in a facility such as a nursing home, assisted living center, adult daycare, hospice or at home after a qualifying event.
That said, you should be aware of a few exclusions and stipulations before deciding on a plan.
At Higginbotham, we believe each client deserves a unique policy tailored to their specific needs and budget. Therefore, it’s important to have a conversation about these factors in order to provide you with a customized quote for your own long-term care insurance policy.
The cost of a long-term care policy depends on a few factors, including:
Whether you are an individual looking to better protect your health in retirement or an employer shopping for voluntary employee benefits, you can have the peace of mind knowing we will provide you with the right coverage at the best price available.