Long Term Care Insurance (LTC)
Long-term Care means care for those with chronic illnesses, disabilities or other conditions on a daily basis over an extended period of time. The care needed can range from assistance with simple activities like bathing, dressing and eating to skilled care that’s provided by nurses, therapists or other professionals. A Long-term Care Insurance Policy is often needed because neither most employer-based health insurances nor Medicare pay for long-term care. As one grows older, the need for long-term care normally increases. TIS professionals can give you the knowledge you need to make the right decision about Long-term Care Insurance.
Disability Insurance (DI)
Disability insurance helps replace a portion of your income if you have a disabling accident or illness and cannot work. It is insurance that provides protection and a sense of security for your quality of life and your assets.
Some describe this type of insurance as ‘income’ insurance since it covers necessities needed by you and your family while you are unable to work. It also provides a peace-of-mind for you and is a good decision.