[vc_row type=”full-width-section” parallax_background=”” video_background=”” overlay=”” overlay_color=”#ffffff” i_select=”” i_bg_color=”#ffffff” i_color=”#21c2f8″ a_select=”” a_bg_color=”#ffffff” css=”.vc_custom_1435624621649{margin-bottom: 98px !important;padding-top: 300px !important;padding-bottom: 104px !important;background-image: url(https://croweandassociates.com/wp-content/uploads/2015/06/longterm.jpg?id=8073) !important;}” el_class=”bannertop”][vc_column width=”1/1″ animation=””][vc_custom_heading text=”Long Term Care” font_container=”tag:h2|font_size:72|text_align:left|color:%23ffffff” google_fonts=”font_family:Lato%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:300%20light%20regular%3A300%3Anormal”][/vc_column][/vc_row][vc_row parallax_background=”” video_background=”” overlay=”” overlay_color=”#ffffff” i_select=”” i_bg_color=”#ffffff” i_color=”#21c2f8″ a_select=”” a_bg_color=”#ffffff” css=”.vc_custom_1433755940043{margin-bottom: 100px !important;padding-top: 0px !important;}”][vc_column width=”1/2″ font_color=”#4a4a4a”][vc_custom_heading text=”Long Term Care Information” font_container=”tag:h2|font_size:30|text_align:left|color:%2331323e” google_fonts=”font_family:Lato%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal” css=”.vc_custom_1435268388342{margin-bottom: 15px !important;}”][vc_accordion collapsible=”yes” disable_keyboard=”” style=”rd_acc_10″ mt=”0″ mb=”0″ active_tab=”1″][vc_accordion_tab title=”The Importance of Long Term Care Insurance” title_color=”#2f383d” border_color=”#98989e” content_text_color=”#2f383d” active_title_color=”#2f383d” active_altbg_color=”#31323e”][vc_column_text font_size=”14″]Those who fail to invest in long-term care insurance are failing to invest in their future. As daunting of a subject as discussing your long-term care needs may be, it is an important conversation that allows you to receive peace of mind about the future. It is no surprise that rising health care costs are among the top financial concerns for Americans, but holding a long-term care insurance policy can relieve both you and your loved ones from the financial burden of these expenses.[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title=”Fun Facts” title_color=”#2f383d” border_color=”#98989e” content_text_color=”#2f383d” active_title_color=”#2f383d” active_altbg_color=”#31323e”][vc_column_text font_size=”14″]
- If purchased by someone 55 or younger, the average annual premium for a long term care policy is about $1,830, which is much cheaper than the $45,000 – $100,000 in out of pocket costs for these services without insurance.
- Did you know that about 40 percent of individuals who reach their late 60s will need to enter a nursing home during their lifetimes?
[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title=”FAQ” title_color=”#2f383d” border_color=”#98989e” content_text_color=”#2f383d” active_title_color=”#2f383d” active_altbg_color=”#31323e”][vc_column_text font_size=”14″]Q1) I have Medicare so I don’t need long-term care insurance, right?
Despite popular belief, Medicare typically only covers 100 days of skilled nursing care that is needed after an accident or hospitalization. Your Medicare coverage will not pay for permanent assistance, therefore, a long-term care policy is crucial.
Q2) Isn’t long-term care insurance too expensive?
Due to the amount of care a long-term care insurance policy provides, they can be costly. However, having a home health aide visit your home for 8 hours each day can cost upwards of $50,000 annually and a private room at a nursing home typically costs over $100,000 annually, meaning investing in a long-term care policy is significantly less expensive.[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title=”Request a Custom Quote” title_color=”#2f383d” border_color=”#98989e” content_text_color=”#2f383d” active_title_color=”#2f383d” active_altbg_color=”#31323e”][vc_column_text font_size=”14″]We understand how daunting this conversation can be but we will be your guiding hand to ensure a smooth experience. The insurance experts at Crowe & Associates will help you choose an affordable long term care insurance policy that meets your unique needs. Simply fill out the “Custom Quote” form to the right to get started.[/vc_column_text][/vc_accordion_tab][/vc_accordion][/vc_column][vc_column width=”1/2″ font_color=”#4a4a4a” el_class=”aboutagents”][vc_custom_heading text=” Understanding Long Term Care” font_container=”tag:h2|font_size:30|text_align:left|color:%2331323e” google_fonts=”font_family:Lato%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal” css=”.vc_custom_1435268313280{margin-bottom: 15px !important;}”][vc_column_text css=”.vc_custom_1435257112076{margin-bottom: 20px !important;}”]A long term care insurance policy will ensure that you receive the care you deserve whether you are in need of assisted living or nursing home care, in the comfort of your own home or at a facility. This vital policy allows you to avoid using your entire life savings as well as avoid depending on others for your financial needs and physical well-being. When you have a long term care insurance policy, you do not have to sacrifice your financial independence.[/vc_column_text][/vc_column][/vc_row][vc_row type=”full-width-section” parallax_background=”” video_background=”” overlay=”” overlay_color=”#ffffff” i_select=”” i_bg_color=”#ffffff” i_color=”#21c2f8″ a_select=”” a_bg_color=”#ffffff” font_color=”#404141″ css=”.vc_custom_1433756005735{margin-bottom: 0px !important;padding-top: 100px !important;padding-bottom: 50px !important;background-color: #f9fafb !important;}”][vc_column width=”1/2″ animation=””][vc_custom_heading text=”REQUEST A CUSTOM QUOTE” font_container=”tag:h2|font_size:30|text_align:left|color:%2331323e” google_fonts=”font_family:Lato%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal” el_class=”chead”][vc_column_text font_size=”14″]We stay up to date on the latest in Long Term Care, and have excellent relationships with the providers, so we can get the best package for you.[/vc_column_text][/vc_column][vc_column width=”1/2″ animation=””][rd_cf7 b_color=”#d7ac29″ button_color=”#d7ac29″ button_text_color=”#ffffff” button_hover_color=”#31323e” f_space=”fs_medium” field_radius=”3″ height=”180″ btn=”stroke” id=”7712″ text_color=”#2c3e50″ bg_color=”#f1f4f5″][/vc_column][/vc_row]
