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LONG TERM CARE & DISABILITY

Long Term Care

Personal and Financial Protection for the Long Term.

Long-Term Care Insurance (LTC) helps provide for the medical expenses of extended home health care or nursing home costs beyond a specified period. In general, individuals who require Long-Term Care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance.

The costs of Long-Term Care can be quite expensive, and are typically not covered under basic Health Insurance, Medicare, or Medicaid. Long-Term Care Insurance from Central Financial Group can protect your family’s financial future by providing valuable coverage benefits for costs associated with:

  • Home Care
  • Assisted Living
  • Adult Daycare
  • Hospice Care
  • Nursing Homes
  • Respite Care

Individuals looking to purchase Long-Term Care Insurance must meet certain conditions in order to qualify for benefits. Talk to an insurance professional to learn more about Long-Term Care Insurance and whether you should add it to your current policy.


                                                                      

Disability

Your Biggest Asset is You

When it comes to protecting your assets, one of the most important things you can insure isn’t a material object like your car or home – it’s your ability to work and earn a living. We know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and can’t work, you’ll need to be protected in order to maintain your standard of living.

With disability income insurance you can continue to pay your bills and keep you and your family from going into serious debt. If you can’t work as a result of injury or other illness, a disability income insurance policy will pay a portion of your income, usually between 50 and 70 percent.

Policies can vary greatly depending on the individual, and the duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Choosing the right disability income coverage is important. In the event you become disabled, you'll want to ensure that you and your family have enough coverage. A representative at Central Financial Group will look at the individual factors in your life and work situation, and help design the best policy that meets your personal insurance needs.


                                                                      Non-securities products and services are not offered through Signator.

All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

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