Natwick Insurance, Inc.
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Long Term Care Insurance

Long term care insurance covers expenses and services not covered by health insurance, Medicare, or Medicaid. Speak with one of our specialists about your options today.
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What is Long Term Care Insurance?

Long-term care insurance (LTC or LTCI), an insurance product that helps provide for the cost of long term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.

The Benefits of Long Term Care Insurance

Long-term care insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities. If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to seven days a week, 24 hours a day (up to the policy benefit maximum).

Other benefits of long-term care insurance:
  • Many individuals may feel uncomfortable relying on their children or family members for support, and find that long-term care insurance could help cover out-of-pocket expenses. Without long-term care insurance, the cost of providing these services may quickly deplete the savings of the individual and/or their family.
  • Premiums paid on a long-term care insurance product may be eligible for an income tax deduction. The amount of the deduction depends on the age of the covered person. Benefits paid from a long-term care contract are generally excluded from income.
  • Business deductions of premiums are determined by the type of business. Generally corporations paying premiums for an employee are 100% deductible if not included in employee's taxable income
Medicaid provides some of the benefits of long-term care insurance. A welfare program, Medicaid does provide medically necessary services for people with limited resources who "need nursing home care but can stay at home with special community care services." However, Medicaid generally does not cover long-term care provided in a home setting or for assisted living. People who need long-term care often prefer care in the home or in a private room in an assisted living facility.


Contact us to learn more about the right long term care insurance for you.

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About LTC:

(321) 735-0381
1301 South Patrick Drive
Suite 73
Satellite Beach, FL 32937
Click Here to Email Us
Long Term Care Quote

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Contact Us

Natwick Insurance, Inc.
1301 South Patrick Drive
Suite 73
Satellite Beach, FL 32937
(321) 735-0381
Click Here to Email Us

Location

Natwick Insurance, Inc. - Established 2006
  • Home
  • Quotes
    • Home/Flood/Condo/Renters >
      • Home Quote
      • Flood Quote
      • Condo Quote
      • Renters Quote
    • Business Quotes >
      • Business Owners Package (BOP) Insurance Quote
      • Business Quote
      • Workers Compensation Quote
      • Event Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bonds Quote
    • Auto Quotes >
      • Auto Quote
      • ATV Insurance Quote
      • Classic Car Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Health Quotes >
      • Health Quote
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Long Term Care Insurance Quote
      • Medicare Supplement Coverage Quote
      • Vision Insurance Quote
    • Life & Financial Quotes >
      • Life Quote
      • Disability Quote
      • Final Expense Insurance Quote
    • Other Quotes >
      • Boatowner Quote
      • Umbrella Quote
      • Wedding Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
    • Hurricane Dorian Claims Reporting
  • Products
    • Property >
      • Home Insurance
      • Flood Insurance
      • Condo Insurance
      • Renters Insurance
      • Landlords Insurance
    • Business >
      • Business Owners Package (BOP) Insurance
      • Business Insurance
      • Workers Compensation
      • Event Insurance
      • Group Benefits
      • Insurance Bonds
    • Motor Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Health >
      • Health Insurance
      • Critical Illness Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Medicare Supplement Coverage
      • Vision Insurance
    • Life/Financial >
      • Disability Insurance
      • Final Expense Insurance
      • Financial Planning
    • Other >
      • Boat Insurance
      • Umbrella Insurance
      • Wedding Insurance
  • About
    • Staff Directory
    • Agency Photo Gallery
    • Insurance Carriers
    • Client Testimonials
    • Refer a Friend
    • Blog
    • News
    • Accessibility Statement
  • Contact