Long Term Care Insurance Policy

There are six primary factors influencing the
premium for long term care insurance policies:

Type of Policy: Noted above.

Age: The most important element in determining the
premium. Naturally the earlier you start paying for
long term care insurance the better.

Daily Benefit: The maximum amount a policy will
pay for one day of care. This can vary from $50 per
day to over $400 per day. The average cost of a
nursing home in Connecticut in 2002 was nearly $160
per day. You will decide whether to purchase
sufficient insurance to cover all of these costs or only
most of them.

Benefit Limit: The number of years that a plan will
pay a benefit from the time you get sick. Benefit
limits generally vary from one year to lifetime
coverage. The longer the benefit limit, the greater
the protection but the higher the cost.

Inflation Protection: Sometimes called an "inflation
rider", this provides you with a way for your daily
benefits to increase over time. Otherwise, the policy
may not be sufficient to protect you many years from
now. Long term care insurance policies normally
contain riders offering automatic daily benefit
increases of 5 percent each year, either at "simple"
or "compounded" rates.

Elimination Period: Amount of time that you agree
to pay out of your own pocket before the plan
(policy) begins to pay. This period normally varies
from 0 to 100 days. The 100-day elimination period
will produce the smallest premium cost to you.

Facility Only: Will pay benefits for care in a nursing home, assisted living facility or
board and care facility. It's the most basic policy but often the most needed type.

Home Health Care: Will pay benefits for care in your home, but not in a facility.
The preferred policy when a home health care situation is possible.

Comprehensive: Will pay benefits for care in your home or in a facility.
This is the preferred type of plan (policy) because of it's flexibility, but is also
the most expensive.

A Connecticut long term care insurance specialist with Stamford Insurance
Group or SIG Insurance Agency will assist you in deciding which type of
policy will work best for your needs.

Answer a few questions and we will
provide you with a quote for the personal
or group insurance you're interested in.
Use a menu above to reach an
insurance quote request form.

We provide affordable long term care insurance services to the following
Connecticut counties and cities: Fairfield County, New Haven County,
Litchfield County, Middlesex County, New London County, Hartford County,
Tolland County, Windham County, Stamford, Norwalk, Greenwich, Darien,
Riverside, Belltown, Springdale, Round Hill, Old Greenwich, East Norwalk, New
Canaan, Glenville, Byram, Cos Cob, Mianus, North Stamford, Glenbrook,
Wilton, Weston, Long Ridge, Noroton, West Norwalk, Westport, High Ridge,
Southport, North Wilton, Winnipauk, Cannondale, Turn of River, South
Wilton, Lyons Plains, Georgetown, Ridgefield, Branchville, Redding,
Topstone, Ridgebury, Redding Ridge, Branchville, Dodgingtown, West
Redding, Titicus, Hattertown, Bethel, Danbury, New Fairfield, Newtown,
Hawleyville, Botsford, Monroe, Bridgeport, Stepney, Shelton, Huntington,
Upper Stepney, Long Hill, Trumbull, Stratford, Easton, Fairfield, Greenfield Hill,
Stratfield, Nichols, Oronoque, Rivercliff, Devon, Lordship, and East
Bridgeport, New Haven, Hartford, Torrington, Waterbury, Meriden, New
Britain, New London, Norwich, Manchester, East Hartford, Suffield, Granby,
West Haven, West Hartford, Branford, East Haven, Hamden, Woodbridge,
Orange, North Haven, Groton, Rocky Hill, Newington, Wethersfield,
Glastonbury, Bllomfield, Blue Hills, South Windsor, Naugatuck, New Hartford,
Chesire, East Lyme, Old Mystic, Wallingford, Southington, Middletown,
Bristol, Laurel Beach, Litchfield, Pleasure Beach, Mystic, North Westchester,
Double Beach, Willimantic, Storrs, Canaan, East Windsor, Vernon, South
Canaan, Putnam, Guilford, Windham, South Britain, Willington, Windsor, East
Hampton, Brooklyn, and Westchester, CT.

"Your local Connecticut Long Term Care

Insurance agent specialist!"

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Connecticut Long Term Care Insurance Specialists

There are three types of long term care insurance policies in Connecticut.

Connecticut Long Term Care Insurance Policy

More Information on Connecticut

Long Term Care Insurance

Long Term Care Insurance Policy

Click on the link below to fill out a quote form for a
long term care insurance policy that will provide first
class insurance coverage at an affordable cost. Or
contact a long term care insurance specialist at one
of our Connecticut locations to discuss the features.

Request a Quote Here!

"Your Connecticut

Long Term Care

Insurance Agent"

Now with 4
Connecticut
locations!

Stamford

Cheshire

East Windsor

Groton

22 Knapp Street

Stamford, CT 06907

203-359-0880

Fax: 203-359-9443

1157 Highland Ave., Suite 109

Cheshire, CT 06410

203-250-1006

Fax: 203-250-0190

84 Bridge Street

East Windsor, CT 06088

860-627-9418

Fax: 860-627-9213

124 Fort Hill Road

Groton, Connecticut 06340

New London County, CT

860-445-8447

Fax: 860-446-0848

Customer Service

(Personal Policies)

(203) 250-0186