Disability and Long-term Care INsurance
Disability INSURANCE
Disability Insurance, also called Disability Income Insurance, is a financial safety net designed to provide income protection if you become unable to work due to illness or injury. It typically replaces a portion of your lost income, allowing you to cover essential living expenses such as housing, medical bills, and daily needs during your recovery.
A sudden inability to work due to illness, injury, or unforeseen circumstances can profoundly affect your life and your loved ones. Disability Insurance provides a steady income to cover essential expenses, alleviating financial burdens and empowering you to focus on recovery rather than financial stress. This coverage safeguards your lifestyle and fosters peace of mind, allowing you to prioritize your well-being. By investing in disability insurance, you are making a compassionate choice for your future, ensuring that you and your family can weather any storm together.
Contact an agent to discuss your disability insurance options today.
Long-term care
Long-term care insurance is designed to cover the costs of extended care services that are not typically included in standard health insurance or Medicare. This type of insurance helps pay for assistance with daily activities such as bathing, dressing, and meal preparation, whether the care is received at home, in assisted living facilities, or nursing homes. As we age, the likelihood of needing assistance with daily activites increases, making LTC insurance a crucial consideration for many families.
Long-term care insurance allows you to protect your family from the burden of unexpected caregiving costs. Instead, they can focus on what truly matters: spending quality time with loved ones rather than worrying about how to fund care. This coverage empowers you to choose the care that best fits your needs, allowing you to live with confidence and security as you age. By investing in LTC insurance, you can help protect your assets and ensure access to quality care when you need it most, providing peace of mind for both you and your family.
LD&B offers Traditional LTC policies as well as Life/LTC hybrids. Contact an agent to discuss the best option for your situation.
Let's talk
Our Insurance Specialist, Tessa von Lossberg, will help you explore your options to make sure you have the right policies in place.
Contact her today!
