Long Term Care Authorities
Protect Your Future with Long Term Care Authorities
Experience our no-pressure, educational approach to our clients.
What We Do
We provide long term care plans for Missouri residents. Our experienced team offers comprehensive coverage and secures your peace of mind. We select long-term care products using multiple quotes from a variety of national insurance companies that will best meet your needs.
What We Offer
Long Term Care Insurance
At Long Term Care Authorities, we specialize in providing comprehensive long-term care insurance solutions tailored to meet your unique needs. We offer a range of long-term care insurance products, and our experienced team will work closely with you to understand your specific needs and recommend the right policy for your unique situation. We focus on providing the best value for our client's needs.
Have Questions About Long Term Care Insurance?
Navigating the complexities of long-term care insurance can be daunting, but we're here to help. Whether you're just starting to explore your options or you're ready to purchase a policy, we're dedicated to providing you with the best information and guidance you need.
Do I Need Long Term Care Insurance?
Whether you need long-term care insurance depends on your financial situation and preferences. Long-term care insurance can help cover the costs of assisted living, nursing home care, or in-home care services, which can be expensive and could potentially deplete your savings.
Why Do I Need Long Term Care Insurance?
Long-term care insurance can provide financial protection against the high costs of long-term care services, which are not typically covered by health insurance or Medicare. Without long-term care insurance, you may have to pay for these services out of pocket, which can quickly deplete your savings and assets.
How Much Insurance Do I Need?
The amount of long-term care insurance you need depends on several factors, including your age, health status, financial situation, and preferences for care. We can help you determine the right amount of coverage based on your individual needs and circumstances. Generally, we recommend a quote of 60-75% of your expected need.
When Should I Buy Long Term Care Insurance?
The ideal time to buy long-term care insurance is when you're in good health and can qualify for the best rates. You do not want to buy it too early, however it's also never too late to buy long-term care insurance as long as you can afford the premiums and meet the eligibility requirements. We generally recommend purchasing it between age 55-70.
How Does the Buying Process Work?
The buying process for long-term care insurance typically involves several steps, including determining your needs, researching available policies, obtaining quotes, completing an application, undergoing medical underwriting, and finalizing the policy. We will help guide you through each step and help you find the right policy for your needs.
Are There Different Long Term Care Products?
Yes, there are generally two types of long-term care insurance options. The first is like having car insurance, where you pay your insurance annually whether it is needed or not.
The second is a single pay plan, where you pay upfront for your long-term care benefit. This plan can be nice as you don't have to worry about rising rates, but the upfront cost can be expensive.
Who We Are
Long Term Care Authorities is a trusted name in the field of long-term care insurance, dedicated to helping individuals and families protect their financial futures. Founded by Fess Crockett, a seasoned professional with over three decades of experience in long-term care insurance, our company is committed to providing personalized service and expert guidance to our clients.