Planning for the Cost of Long Term Care & Disability
Understanding Long-Term Care and Disability Protection.
Long-term care and disability insurance both protect your finances against life's unexpected turns, but they cover different risks. One helps with the cost of extended care as you age; the other replaces your income if illness or injury keeps you from working. Most solid financial plans account for both.
Long-term care insurance
Long-term care insurance helps cover the cost of extended care — in-home help, assisted living, or a nursing facility. that standard health insurance and Medicare largely don't. With care costs rising every year, it protects both your savings and your family from shouldering the burden alone.
Individual Disability Insurance
Your ability to earn an income is one of your most valuable assets. Disability income insurance replaces a portion of your paycheck if a disabling illness or injury stops you from working, so you can keep up with your obligations during recovery. Coverage can be tailored to your occupation and income.
Why Serot Group?
As an independent broker serving Saint Louis, Jeff compares long-term care and disability policies across top-rated carriers to find coverage that fits your needs and budget. No call centers, no pressure. Just honest advice from someone local.