Dave Gruhlke Agency
Farmers Insurance Group
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Long term care and Disability Insurance click on Farmers logo for information on Farmers Products
Long-Term Care Insurance FAQs
What is long-term care insurance?
Insurance that will help pay for assistance with activities of daily living (e.g., bathing, eating, dressing, ect.) if you're no longer able to care for yourself due to a disability or chronic medical condition, such as Alzheimer's.
Who needs long-term care insurance?
Most people because the cost of long-term care services can quickly deplete your life's savings. For instance, eight hours per day of home health car can cost $55,000 annually and full-time nursing home care now averages close to $75,000 per year.
What are the odds I'll need long-term care?
There's about a 70 percent chance you'll need some type of long-term care after age 65.
Can I afford long-term care insurance?
Most people can, especially bif they buy when they're younger and in good health.
How can I keep my premium costs down?
Buying when you're younger is one way. More limited coverage, such as a longer elimination period or shorter benefit period, will also reduce your premiums.
Real Life Stories
Disability Insurance
Click here to learn about insuring your paycheck
Don't Let These Myths Stop You From Getting the Proper Coverage
MYTH: "I'd rely on my savings until i could get back to work."
MYTH: "I don't need it--I don't work in a dangerous profession."
MYTH: The government provides assistance when people get disabled.
MYTH: "I have disability coverage at work."
Click here to learn about these myths
