The top-rated long-term care insurance agent in Madison, Connecticut is Farmers Insurance - Carmelo Pistritto, rated 5.0 stars across 30 reviews. Other highly rated options include Lauren LaTorre-Osterling - State Farm Insurance Agent, Carl Jeppesen: Allstate Insurance, Senior Health and Retirement Services. This directory lists 11 long-term care insurance agents serving Madison.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Carmelo Pistritto | 724 Boston Post Rd Ste 302a-B | (860) 665-1204 |
| 2 | Lauren LaTorre-Osterling - State Farm Insurance Agent | 38 Academy St | (203) 245-4555 |
| 3 | Carl Jeppesen: Allstate Insurance | 1 Orchard Park Rd Ste 12 | (203) 245-7794 |
| 4 | Senior Health and Retirement Services | 71 Bradley Rd UNIT 11 | (860) 664-5596 |
| 5 | Nationwide Insurance: Michael Silberberg | 145 Durham Rd STE 5 | (203) 245-4311 |
| 6 | Kearney Insurance Agency LLC | 78 Bradley Rd 2nd floor | (203) 245-1238 |
| 7 | McLaughlin Associates Insurance Agency | 106 Wall St | (203) 245-8287 |
| 8 | Karen E Buck - Aflac Insurance Agent | 71 Deepwood Dr | (203) 687-7943 |
| 9 | Northeastern Underwriters Ltd | 5 Linden Ln | (203) 245-7169 |
| 10 | MetLife Auto & Home , part of The Farmers Insurance Group | 60 Wildcat Springs Dr | (860) 665-1204 |
Farmers Insurance - Carmelo Pistritto serves the Madison, Connecticut area as a long-term care insurance agent. This agency helps clients address the financial challenges of extended nursing or home-based care during aging or illness. It specializes in policies that cover services such as assisted living facilities and in-home caregiver support. These plans assist individuals in preserving their savings and personal assets over time. The firm handles individual long-term care insurance plans and hybrid life insurance policies with long-term care riders.
Lauren LaTorre-Osterling - State Farm Insurance Agent provides long-term care insurance solutions designed to help clients in Madison, CT, plan for future care needs within their own communities. Available plans focus on covering costs associated with in-home care, assisted living, and nursing facility stays. The agency offers ongoing policy maintenance to review coverage as health needs change. This includes assistance with understanding policy benefits, updating beneficiaries, and managing claims when necessary. They service single-family homes, apartments, retail businesses, and local restaurants across the area.
Homeowners, renters, and small-business owners in Madison, CT turn to Carl Jeppesen: Allstate Insurance for guidance on long-term care insurance. This agency helps clients understand coverage options that protect savings from the high cost of extended care services. They explain policy features, benefits, and eligibility requirements during personal consultations. The agency also serves families throughout the greater New Haven area, including nearby Clinton and Guilford.
Serving Madison, CT, and the surrounding shoreline communities, Senior Health and Retirement Services helps individuals evaluate and select long-term care insurance policies. The agency handles the process of comparing coverage options to protect assets from the high future costs of extended care. It further assists clients in understanding policy nuances, including benefit triggers and inflation riders. To handle a typical job, the agent first reviews a client’s health and financial situation, then presents personalized plan comparisons from multiple insurers.
Nationwide Insurance: Michael Silberberg provides long-term care insurance guidance, distinguishing between one-time policy purchases and recurring coverage options like annuities with long-term care riders. The agency assists Madison, CT residents in navigating plans that cover daily expenses such as assisted living, home health aides, and nursing facility care for chronic conditions. By comparing policy structures and benefit triggers, clients can secure financial protection against future care costs. Service runs on a one-time, scheduled, or as-needed basis.
Kearney Insurance Agency LLC specializes in long-term care insurance, providing strategies to protect assets while planning for future care needs. The agency serves clients in Madison and the surrounding Connecticut shoreline communities, offering guidance on policy options to cover extended home health aides or facility-based assistance. It helps individuals evaluate current health coverage to identify gaps for aging-related support. As winter approaches, many families consult with the agency to reassess policies before Medicare’s open enrollment period closes, ensuring coverage transitions smoothly for seasonal changes in care.
As coastal Connecticut residents plan for retirement, they often seek to protect savings from potential future care costs. McLaughlin Associates Insurance Agency, based in Madison, helps local families evaluate long-term care insurance policies that can cover home aides or nursing home stays. The agency explains how these plans address the region’s rising healthcare expenses while preserving independence. An initial conversation typically reviews a client’s overall financial situation to identify suitable coverage options, followed by a scheduled assessment of personal health history to prepare policy quotes.
Karen E Buck - Aflac Insurance Agent provides general insurance solutions for individuals and businesses in Madison, CT. This agency specializes in assisting clients with long-term care insurance, helping to cover needs such as home health aides or nursing facility stays. This work often complements workplace benefits by addressing future care costs that standard health plans may not fully cover. The agency can serve various commercial sectors, including offices, warehouses, and food service operations.
Northeastern Underwriters Ltd serves residents of Madison, CT, by helping them navigate long-term care insurance options to protect assets and future care needs. The agency also assists local businesses with commercial insurance coverage, offering tailored solutions for various operational risks within the region. Clients receive clear guidance on policy features and potential future benefits. After an initial consultation or policy placement, the agent remains available for follow-up questions, adjustments, or renewals between regular annual reviews to ensure coverage continues to fit changing circumstances.
MetLife Auto & Home, part of The Farmers Insurance Group, is known for providing long-term care insurance services in Madison, Connecticut, assisting clients in the region with planning for future care needs. The agency helps individuals assess policies that can cover extended support for chronic conditions or aging. A specialty service it can add on is consultations specifically designed for caregivers exploring family benefit options.
What Does a a Long-Term Care Insurance Agent in Madison Cost?
Long-term care insurance premiums in Connecticut vary widely by age health and benefit amount. A typical policy for a 55-year-old might cost between 150 and 300 dollars per month for a 3-year benefit period with 5 percent compound inflation. Older applicants or those with higher daily benefits may pay 400 to 800 dollars per month. This is general information not insurance advice.
About long-term care insurance agents in Madison
Long-term care insurance agents in Madison Connecticut assist clients with choosing policies that cover nursing home care home health aides and assisted living. Connecticut offers a Partnership for Long-Term Care program that allows policyholders to protect some assets if they later need Medicaid. Agents in Madison can explain how these state-specific rules affect your coverage options.
Frequently Asked Questions
What does a long-term care insurance agent in Madison do?
A long-term care insurance agent helps you compare policies from different carriers and explains benefit triggers elimination periods and inflation protection. They do not sell one specific company but can show you multiple options. The agent also guides you through the application and underwriting process.
How does Connecticut Partnership for Long-Term Care affect my policy?
Connecticut Partnership policies let you keep a dollar of assets for every dollar your policy pays out if you later need Medicaid. This asset disregard is protected even if you move out of state. An agent can tell you which carriers offer Partnership-approved plans in Madison.
Are there age or health requirements to buy long-term care insurance in Connecticut?
Most carriers require applicants to be between 18 and 84 years old and to pass medical underwriting. Connecticut law allows insurers to deny coverage based on health history but they cannot cancel a policy once issued for new health conditions. An agent can help you find a plan that fits your health status.
Long-Term Care Insurance Agents in Other Connecticut Cities
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