The top-rated long-term care insurance agent in South Windsor, Connecticut is Newberry Insurance, rated 4.9 stars across 248 reviews. Other highly rated options include Doug Brown - State Farm Insurance Agent, Holmes Insurance LLC, Brooks, Todd & McNeil Insurance - South Windsor. This directory lists 11 long-term care insurance agents serving South Windsor.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Newberry Insurance | 1760 Ellington Rd | (860) 648-6330 |
| 2 | Doug Brown - State Farm Insurance Agent | 158 Sullivan Ave Suite 1 | (860) 783-5660 |
| 3 | Holmes Insurance LLC | 225 Oakland Rd Suite 404 | (860) 644-4200 |
| 4 | Brooks, Todd & McNeil Insurance - South Windsor | 855 Sullivan Ave C | (860) 783-5900 |
| 5 | Crystal Financial Insurance Services | 915 Sullivan Ave #9 | (860) 436-9522 |
| 6 | TM Burgess Insurance | 828 Sullivan Ave | (860) 644-2534 |
| 7 | Farmers Insurance - Kenneth Wolf | 350 Chapel Rd Unit 1a | (860) 264-1655 |
| 8 | Lanza Insurance Agency | 524 Sullivan Ave | (860) 282-7777 |
| 9 | CoverClan - Medicare & Life Insurance Agency | 178 Graham Rd | (312) 834-3743 |
| 10 | Farmers Insurance - Paul Agostino | 1708 Ellington Rd | (860) 474-3940 |
Newberry Insurance serves the South Windsor, Connecticut area as a specialist in long-term care insurance. The agency assists clients in understanding how to protect their savings from the high costs of extended care. Residents can consult with the firm to evaluate policies covering care in nursing homes or services provided at home. The office handles initial consultations and the filing of claims for policyholders.
Doug Brown - State Farm Insurance Agent in South Windsor, CT, provides guidance for long-term care insurance planning, including policy selection and risk assessment. The agency assists clients with understanding coverage options that address future care needs, helping to maintain financial stability. It offers ongoing policy reviews to adjust coverage as circumstances change. The agent serves local homeowners, renters, and families, along with commercial entities such as small retail spaces, restaurants, and apartment property owners seeking personal or business-related long-term care protection.
Homeowners and families in South Windsor, CT turn to Holmes Insurance LLC for guidance on long-term care insurance, helping protect assets and plan for future care needs. The agency provides clear, practical advice about available policy options and coverage details tailored to individual situations and budgets. Serving the greater Hartford metro area, it also assists clients in neighboring towns such as Manchester and East Hartford with long-term care planning.
Brooks, Todd & McNeil Insurance - South Windsor serves clients in South Windsor and the surrounding Hartford County communities, specializing in long-term care insurance. It handles the placement of policies that help cover the costs of assisted living, nursing home care, and in-home support services not typically paid for by standard health plans. An agent works to assess a client's potential future care needs and income situation. A typical engagement begins with a thorough review of the client's financial picture, which guides the comparison of policy features from multiple carriers.
Crystal Financial Insurance Services, located in South Windsor, CT, distinguishes between planning for a single future event and establishing recurring coverage that adapts as health needs evolve, offering long-term care insurance policies designed to protect assets and provide access to care. These agent services help clients evaluate benefit periods, daily benefit amounts, and inflation protection tailored to anticipated local care costs. Service runs on an as-needed basis, typically coordinated through individual consultations and policy reviews directly with the agent.
TM Burgess Insurance specializes in helping clients select and secure long-term care coverage to protect assets against the high cost of extended care. Serving the South Windsor, Connecticut area, the agency guides individuals and families through policy options that cover nursing home, assisted living, and home health care services. Every year, clients rely on this expertise as they plan financially for retirement or respond to a loved one’s sudden need for assistance after a fall or diagnosis.
As the financial demands of long-term care rise for South Windsor families, many seek guidance on how to protect their savings. Farmers Insurance - Kenneth Wolf addresses this need by helping local clients evaluate policy options that cover home health aides or nursing facility stays. Their work focuses on matching coverage to each individual’s health profile and retirement income goals. Every conversation begins with a detailed review of current assets and any potential gaps in existing coverage, leading to a structured initial assessment of the applicant’s long-term care insurance needs.
Lanza Insurance Agency works with individuals and families to assess their long-term care insurance needs, helping them plan for future support services and asset protection. Based in South Windsor, CT, the agency specializes in policies covering home care, assisted living, and nursing home expenses. Its agents assist with comparing plan options from multiple carriers, explaining policy features and benefit triggers. The agency serves personal clients as well as commercial sectors including offices, warehouses, and food service operations.
CoverClan - Medicare & Life Insurance Agency serves residents in South Windsor, Connecticut, with long-term care insurance policies. The agency also offers coverage options for commercial clients seeking protection for their business interests across the local area. Agents guide individuals through policy details, including benefit periods and elimination periods. The office encourages clients to schedule follow-up appointments during regular visits to reassess coverage needs as circumstances change.
Farmers Insurance - Paul Agostino serves the South Windsor, CT area as a long-term care insurance agent. The agency helps clients explore coverage options for future care needs, including home health aides and assisted living facility costs. Its service range includes assessing individual risk factors and comparing policies from multiple carriers to find suitable benefit periods and inflation protection. An additional specialty service the agency can provide is coordinating with clients' overall retirement income strategies to help ensure long-term care premiums fit within an existing financial plan.
What Does a a Long-Term Care Insurance Agent in South Windsor Cost?
Long-term care insurance agent services in Connecticut typically do not charge a separate fee. Instead, agents earn commissions from the insurance company, which are included in the policy premium. Policy premiums vary widely based on age, health, and benefit amount. A 55 year old in South Windsor might pay between $1,500 and $3,000 per year for a standard policy. Costs for a 65 year old can range from $2,500 to $5,000 annually. This is general information and not insurance advice.
About long-term care insurance agents in South Windsor
A long-term care insurance agent in South Windsor can help you navigate Connecticut specific options like the Connecticut Partnership for Long-Term Care. This program allows policyholders to protect a portion of their assets if they later need Medicaid. Local agents understand the needs of Hartford County residents and can explain how state regulations affect your coverage.
Frequently Asked Questions
What is the Connecticut Partnership for Long-Term Care?
It is a state program that lets you buy a qualified long-term care insurance policy. If you use the policy benefits and later need Medicaid, you can keep assets equal to the benefits paid. This helps South Windsor residents protect their savings.
How does Connecticut tax long-term care insurance premiums?
Connecticut offers a state income tax deduction for qualified long-term care insurance premiums. The deduction amount depends on your age and follows federal limits. An agent can help you calculate the potential savings.
What is the 90 day look back period for Connecticut Medicaid?
When applying for Medicaid in Connecticut, the state reviews your finances for the past 90 months, not 90 days. This is called the look back period. Any gifts or transfers below fair market value may cause a penalty. A long-term care insurance policy can help avoid this issue.
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