The top-rated long-term care insurance agent in DeKalb, Illinois is Micah Stoddard - State Farm Insurance Agent, rated 5.0 stars across 290 reviews. Other highly rated options include Cassie Green - State Farm Insurance Agent, Stephanie Benitez American Family Insurance, Scott Zeimet - State Farm Insurance Agent. This directory lists 13 long-term care insurance agents serving DeKalb.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Micah Stoddard - State Farm Insurance Agent | 400 E Hillcrest Dr #150 | (815) 758-5456 |
| 2 | Cassie Green - State Farm Insurance Agent | 129 E Locust St | (779) 270-9002 |
| 3 | Stephanie Benitez American Family Insurance | 303 E Hillcrest Dr Ste 7 | (815) 756-9531 |
| 4 | Scott Zeimet - State Farm Insurance Agent | 2587 Sycamore Rd Ste D | (815) 748-3101 |
| 5 | Brian Scholle - State Farm Insurance Agent | 216 N 4th St | (815) 758-4610 |
| 6 | Gavin Wilson - COUNTRY Financial Agent | 213 E Locust St | (815) 748-7064 |
| 7 | Hartwig & Paszotta Insurance | 122 N 1st St A | (815) 758-1426 |
| 8 | Shelter Insurance - Dillon Caplinger | 444 E Hillcrest Dr #250 | (815) 517-1693 |
| 9 | Stoddard State Farm | 400 E Hillcrest Dr #150 | (815) 758-5456 |
| 10 | Shelter Insurance | 444 E Hillcrest Dr | (815) 517-1693 |
Micah Stoddard, as a State Farm Insurance Agent, serves the DeKalb, IL area and surrounding communities by offering long-term care insurance agent services. These policies are designed to help individuals plan for potential future needs for extended care, whether at home or in a facility. The agent assists clients in reviewing coverage options that can protect savings and provide access to necessary support. Services handled in this area include long-term care insurance policy consultations and personalized plan assessments.
Cassie Green - State Farm Insurance Agent provides long-term care insurance services for individuals in DeKalb, Illinois. The agency helps clients explore coverage options that protect assets and cover costs associated with extended care needs. Policy reviews and plan adjustments are available to ensure coverage aligns with changing personal circumstances and state regulations. The agency services single-family homes, apartments, retail locations, and restaurants within the local community.
Homeowners and local business owners in DeKalb, Illinois, can consult Stephanie Benitez American Family Insurance for guidance on long-term care insurance coverage. The agency helps individuals plan for future care needs by explaining policy options that protect savings and assets. It assists families in evaluating costs and benefits associated with home care, assisted living, and nursing facility expenses. Services are tailored to help customers prepare financially for potential extended care situations. The agency also serves residents in nearby Sycamore and surrounding DeKalb County communities.
Scott Zeimet - State Farm Insurance Agent in DeKalb, IL, helps clients distinguish between a one-time policy designed for immediate need and scheduled coverage that renews over time. Long-term care insurance typically covers services like assisted living or in-home care when daily tasks become difficult, providing a financial bridge. Policies can be customized to match individual risks and budget preferences. Service runs on a one-time, scheduled, or as-needed basis depending on policy selection and ongoing enrollment needs.
Brian Scholle - State Farm Insurance Agent serves DeKalb, Illinois, and the surrounding communities of Sycamore and Cortland. The agency handles long-term care insurance, helping clients plan for future needs related to extended personal or medical care, often in residential or home settings. Typical consultations review policy options, benefit periods, and coverage structures. The agent explains how protection fits broader financial strategies. Every engagement begins with a detailed conversation about the client’s current health and long-term goals, then presents tailored plan choices for clarity and informed decision-making.
Gavin Wilson - COUNTRY Financial Agent in DeKalb, IL specializes in arranging long-term care insurance policies to help cover the costs of extended nursing, assisted living, or in-home care. The agency assists local clients with evaluating their future needs and comparing suitable coverage options from available plans. This work is particularly valuable during the open enrollment period for Medicare, when individuals often seek to understand how a separate long-term care policy can address critical gaps in their health coverage.
As DeKalb residents begin planning for the financial demands of aging, Hartwig & Paszotta Insurance helps individuals prepare for potential long-term care needs. The agency works with clients to review coverage options that address future medical and personal care expenses. Each consultation focuses on explaining policy features, including benefit triggers and inflation protection choices. A thorough review of the client’s current health situation and financial goals is conducted before providing any formal proposal. The initial assessment includes reviewing existing insurance to identify possible coverage gaps.
Shelter Insurance - Dillon Caplinger assists clients in DeKalb, IL, with general insurance guidance and offers long-term care insurance as a specialized addition to financial planning. This type of coverage helps policyholders manage costs associated with extended personal care needs. Coverage options are designed for those seeking to protect assets later in life. Services can be structured for professionals operating from offices, handling operations at warehouses, and managing environments in commercial food service establishments.
Stoddard State Farm offers long-term care insurance to residents in the DeKalb, Illinois area, also providing commercial coverage options for local businesses. Serving clients throughout DeKalb County, the agency helps individuals plan for potential future care needs, including nursing home and in-home support services. Policies are structured to protect assets while allowing access to necessary care facilities. Follow-up consultations are available to adjust coverage between the agent’s regular periodic visits, ensuring plans remain aligned with changing health requirements or family circumstances.
Shelter Insurance in DeKalb, IL, is an agency known for providing long-term care insurance policies that help local residents plan for future assisted living or home health needs. Their standard coverage options can include daily benefit amounts and benefit periods tailored to individual circumstances. Beyond basic long-term care plans, the agency can also add on coverage for inflation protection to help policy benefits keep pace with rising medical costs over time.
What Does a a Long-Term Care Insurance Agent in DeKalb Cost?
In Illinois a long-term care insurance policy for a 55-year-old can cost between 1,500 and 3,500 per year depending on benefit amount and inflation protection. For a 65-year-old annual premiums often range from 2,500 to 5,500. Costs vary by age health and chosen features. This is general information not insurance advice.
About long-term care insurance agents in DeKalb
Long-term care insurance agents in DeKalb help residents plan for future care costs like nursing homes or home health aides. Illinois offers the Partnership for Long-Term Care program which allows policyholders to protect assets while qualifying for Medicaid. An agent can explain how these state-specific rules apply to your situation and compare policies from multiple carriers.
Frequently Asked Questions
What does a long-term care insurance agent do in DeKalb?
An agent helps you understand policy features such as daily benefit amounts and elimination periods. They also explain Illinois Partnership policies which let you keep more assets if you later need Medicaid. The agent does not sell medical insurance but focuses on long-term care coverage.
How does the Illinois Long-Term Care Partnership program work?
This program lets you buy a qualified policy that provides dollar-for-dollar asset protection. If you use all your policy benefits and still need care, Illinois Medicaid will allow you to keep assets equal to what the policy paid out. An agent can confirm if a policy meets Partnership requirements.
Can I buy long-term care insurance if I have a pre-existing condition?
In Illinois insurers can consider your health history and may decline coverage or charge higher premiums. Some companies offer limited benefit plans for people with certain conditions. An agent can review your medical background and find carriers that accept higher risk applicants.
Long-Term Care Insurance Agents in Other Illinois Cities
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