Personalized Long-Term Care Insurance in Illinois

Nursing homes, assisted-living centers and in-home care can carry with them substantial costs—so much so that unfortunately many people resort to their retirement savings when they become ill. Long-term care insurance is designed to prevent this, protecting you financially and helping you pay the costs of extended nursing care, if it is ever needed.

At Hicks Insurance Group, we are here to provide you with personalized health and life insurance policies that will help protect your assets. Our
independent insurance agency has been insuring Illinois individuals and families since 1999, and our agents have decades of experience. Let us put our experience, knowledge and access to a vast network of top insurers to work to find just the right policy for you.

Why Long-Term Care Insurance Is Critical

Medicare does not cover long-term care, so people who need it are forced to pay out-of-pocket for their care. Medicaid does cover long-term care, but only for the poor. People are required to spend their savings before they can qualify for Medicaid. Long-term care insurance pays the nursing home, often after a waiting period, so that the majority of your retirement savings can remain intact.

How Likely is it That You’ll Need This Coverage?

In short, fairly likely. Statistics show that 70 percent of people who reach age 65 will need long-term care. And most people who need long-term care need it for at least one or two years.

We never aim to scare our customers into buying long-term care insurance. But it is a financially sound practice that allows families to keep the savings they have worked so hard to accumulate.

Giving You the Information You Need to Make Smart Choices

We focus on providing complete information to you throughout the quote request and decision-making processes. We help you weigh the costs and benefits of each plan, looking for the best combination of premium costs, coverage amounts and terms.

The most important thing for you to do when purchasing long-term care insurance is to choose an insurance company that will provide coverage when you need it. As an independent insurance agency, we carry policies from many of the top insurance carriers in the country, so our customers have a range of policies to choose from. We will help you find a policy that will work for you, when you need it.

Request Your Free Long-Term Care Insurance Quote Today

Talk with us about finding  the perfect policy that suits your and your family’s needs. We offer free, confidential consultations and free quotes, all with no obligation. To learn more, call us today at 708-532-7474 or contact our Mokena-based office online.