Long-Term Care Planning &
Disability Insurance
Long Term Care Planning
If you’re like most people, you probably know someone who has needed long-term care services. Maybe you’ve been a caregiver yourself. Either way, you may be wondering how you’ll handle your own long-term care needs. Will your family take care of you? Will you be able to stay in your home? How will the need for care impact your retirement nest egg?
At Kaliszak Insurance Consultancy we will customize a long-term care plan that meets your needs. Whether you need care at home or outside the home we can help. Depending on your need we will be able to utilize a long-term care insurance policy from one of the highest-rated carriers or look at some alternatives such as life insurance policies or annuities with long-term care riders. We will be able to provide some relief should the moment arise. Don’t wait until it happens. Plan now.
Disability Insurance
If you rely on your ability to work to provide a steady income for your family’s financial health, then you need disability insurance. Although disability insurance is often associated with accidents on and off the job, medical illnesses are responsible for the majority of disability claims. Disability insurance replaces your income in the event you are disabled and unable to work. This coverage would provide invaluable protection providing you and your family peace of mind.
It’s important to consider your options and put a policy in place before you need it. If you are the primary wage earner there are things to consider. How is your health now, do you have group coverage on the job, what is your family history and more importantly, if something did happen, how long can you afford to be out of work? Kaliszak Insurance Consultancy can help you build a policy that works for you.