Long Term Care Insurance
If you are determined to take care of yourself and your living expenses as you get older, and are looking for coverage that will help pay for care received outside of a hospital, purchasing long term care insurance (LTC) may be your answer.
There are tons of expenses that come with getting older. In addition to doctor’s visits and prescription medication, there may come a time when you may need to move out of your home.
When you were younger, you might have thought that you would never live in an assisted living center or nursing home. But now that you are older, your home seems to be a bit too large for you, and your health may require that medical personnel be close by. In order to be able to move to a place where you can get the care you need, long term care insurance can help lower your out of pocket costs. And if you choose to stay in your home as you age, long term care can help you handle the costs of getting care in your Massachusetts home.
No matter how you choose to live out your retirement, long term care insurance can help you maintain your independence while taking the burden of care costs off your family. It’s never too early to consider long term care insurance.
LEARN MORE: The National Association of Insurance Commissioners (NAIC) has written A Shopper’s Guide to Long-Term Care to help you understand long-term care and
the insurance options that can help you pay for long-term care services.
*Offered through our partnership with Centaurus Financial, Inc.
Contact Downey Insurance Group today for a free quote.
We are proud to partner with MAPFRE Insurance, the #1 home and auto insurer in Massachusetts, named the ValChoice® #1 Best Value for Auto Insurance in Massachusetts!
As your trusted choice for Massachusetts insurance, we know that customizing a specific Massachusetts business insurance package, to fit your specific operating needs, is no easy feat.
With a variety of coverage options and state laws to abide by, you need someone with superior insurance knowledge and expertise to help you secure the most effective large or small business insurance plan for your Massachusetts, and New England coverage needs!
Generally speaking, the goal of doing business is to maximize profits, while continuing to lessen overall costs. This however requires making strategic plans that account for anticipated expenses as well as outline actions for accurately reinvesting the profits.
Keeping costs at an acceptable level involves securing comprehensive business insurance. At Downey Insurance Agency we have worked hard to build quite a name for ourselves and our superior business insurance strategies.
In our effort to best serve you, we have developed both large and small business insurance solutions that strategically balance your distinct needs, and operating requirements—while also helping to reduce the financial impact of unexpected losses like natural disasters, lawsuits, employee injuries, and more.
As a local New England business owner, how can you determine what you need out of your business insurance? Specific state regulations will determine basic coverage requirements; among the common policies are commercial insurance and workers compensation.
All in all, typical large or small business insurance packages can include a custom combination of these following coverage options:
- Business Owners Policies (BOP)
- Worker’s Compensation
- General Liability Insurance
- Errors & Omissions
- Commercial Auto
- Commercial Property
- Group Benefits
- Professional Liability
At Downey Insurance Agency, we understand the importance of having budget-friendly – yet complete – coverage in place, no matter how big or small your business enterprise may be. We take pride in the ability to identify the required state policies and suggest the most effective and affordable insurance solutions for your business venture.
Feel free to give us a call; we’d love to provide you with more information regarding commercial insurance, workers compensation and so much more! Contact Downey Insurance Agency right now to get a free coverage review and large or small business insurance quote— let us help you better protect your business venture today!
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