The top-rated long-term care insurance agent in Oak Lawn, Illinois is Jessica Knight - State Farm Insurance Agent, rated 4.9 stars across 376 reviews. Other highly rated options include Buschbach Insurance Agency, Rich Rybka - State Farm Insurance Agent, Gallagher and Murphy Insurance Agency Inc. This directory lists 17 long-term care insurance agents serving Oak Lawn.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jessica Knight - State Farm Insurance Agent | 10735 S Cicero Ave #202 | (708) 422-3700 |
| 2 | Buschbach Insurance Agency | 5615 W 95th St #1 | (708) 858-7002 |
| 3 | Rich Rybka - State Farm Insurance Agent | 8830 S Cicero Ave | (708) 423-5951 |
| 4 | Gallagher and Murphy Insurance Agency Inc | 10236 S Kenton Ave | (708) 398-6730 |
| 5 | Don Murphy Agency, Inc. American Family Insurance | 10806 S Cicero Ave | (708) 229-1112 |
| 6 | Cusack Insurance LLC | 5700 95th St | (708) 423-5600 |
| 7 | Robert A Manzke: Allstate Insurance | 5533 W 109th St Ste 205 | (708) 636-8800 |
| 8 | Sabina Martin Insurance | 5140 W 95th St | (708) 952-9800 |
| 9 | Joe Voves - COUNTRY Financial Representative | 10522 S Cicero Ave Ste 407 | (708) 425-1527 |
| 10 | Walsh Insurance Services, Inc. | 10730 S Cicero Ave | (708) 499-6100 |
Jessica Knight - State Farm Insurance Agent in Oak Lawn, IL provides long-term care insurance services to local clients, including policy consultations and coverage planning for future care needs. The office helps policyholders maintain their plans through regular reviews and updates to adjust for changing health circumstances or financial goals. This agent services single-family homes, apartments, retail establishments, and restaurants within the Oak Lawn area.
Buschbach Insurance Agency serves the Oak Lawn area and greater Cook County as a dedicated long-term care insurance agent. It assists individuals in planning for future care needs that are not covered by standard health insurance or Medicare. The agency focuses on comparing policy options to match a client’s specific health goals and budget requirements. A key service involves explaining how these policies can protect personal savings. It helps clients navigate complex coverage for home care services and nursing facility stays in Illinois.
Rich Rybka - State Farm Insurance Agent serves Oak Lawn residents and business owners seeking long-term care coverage. It assists individuals planning for future medical needs by explaining policy options for nursing home stays, home health aides, and assisted living expenses. The agency also helps customers understand how long-term care insurance integrates with Medicare and personal savings. Its services guide clients through the enrollment process and policy customizations. Rich Rybka additionally covers nearby communities such as Evergreen Park and parts of the southwest Chicago suburbs.
Serving Oak Lawn and the surrounding south suburban communities, Gallagher and Murphy Insurance Agency Inc handles long-term care insurance needs for local residents. This agency helps clients plan for future care expenses by explaining policy options and coverage details. The team works closely with each individual to assess their personal situation and financial goals. It takes an educational approach, carefully reviewing policy benefits and limitations to ensure clients make informed decisions about protecting their assets and securing care options.
A long-term care insurance agent may offer either a one-time policy review or recurring service for ongoing needs. Don Murphy Agency, Inc. American Family Insurance in Oak Lawn, IL helps clients understand coverage options that protect assets if future care is needed. Local agents assess individual situations to recommend suitable policy terms and benefit amounts. This service runs on a one-time, scheduled, or as-needed basis depending on each client's request for consultation or policy adjustment.
Cusack Insurance LLC specializes in guiding individuals through the complex process of purchasing long-term care insurance policies. It provides thorough consultations to help clients evaluate coverage options that suit their specific needs. The agency serves residents throughout the Oak Lawn, Illinois area, assisting with both traditional and hybrid policy selections. As tax season approaches, the firm helps clients understand potential deductions for qualified long-term care premiums.
As autumn approaches and families begin planning for their aging parents’ future, Robert A Manzke: Allstate Insurance in Oak Lawn, IL helps local families protect their retirement savings with long-term care insurance policies. This service supports residents who may need assistance with daily living activities due to advancing age or disabilities in the years ahead. A thorough initial consultation is the first step, during which policy options are discussed and each client’s care preferences are assessed.
Sabina Martin Insurance is a long-term care insurance agent serving the Oak Lawn area. The agency helps individuals and families plan for future care needs by offering specialized policy options that address extended health and personal support services. These policies may cover home care, assisted living, and nursing facility expenses. The agency can assist clients who manage commercial sectors such as local offices, warehouses, and food service operations.
Joe Voves - COUNTRY Financial Representative in Oak Lawn, IL, is recognized for helping individuals plan for future care needs through long-term care insurance policies. The firm serves clients throughout the greater Chicago area, offering guidance on coverage options that protect against the high costs of extended care. Services include assessing personal risk factors, comparing policy benefits, and explaining the impact of early planning on financial security. For tailored support, Joe Voves also provides assistance with integrating long-term care coverage into a broader retirement income strategy.
Walsh Insurance Services, Inc. provides long-term care insurance guidance to residents of Oak Lawn, IL. For individuals, the agency helps navigate policies covering nursing home stays and in-home assistance. Commercial long-term care planning is also offered for local businesses seeking employee benefit options. The agency serves clients throughout the greater Oak Lawn area. After an initial policy review or purchase, the agent often follows up to discuss changing care needs between regular annual or semi-annual check-ins.
What Does a a Long-Term Care Insurance Agent in Oak Lawn Cost?
In Illinois, annual premiums for a long-term care insurance policy for a healthy 55-year-old often start around 1,500 dollars and can exceed 3,500 dollars depending on coverage level and optional benefits. Costs increase with age; a 65-year-old might pay 2,500 to 5,500 dollars per year for similar coverage. Policy features like a 5 percent compound inflation rider add to the premium. This is general information, not insurance advice.
About long-term care insurance agents in Oak Lawn
A long-term care insurance agent in Oak Lawn, Illinois can help you compare policies that cover nursing home care, home health aides, and assisted living. Illinois offers a Partnership for Long-Term Care program that allows policyholders to protect some assets while qualifying for Medicaid. An agent familiar with Oak Lawn and Cook County can explain how these state-specific rules apply to your situation.
Frequently Asked Questions
What does a long-term care insurance agent in Oak Lawn do?
An agent helps you review and compare long-term care insurance policies from different carriers. They explain benefit triggers, elimination periods, and inflation protection options. They also advise on how Illinois Partnership policies can help you preserve assets.
How does the Illinois Partnership for Long-Term Care program work?
This Illinois program lets you buy a qualified policy that provides dollar-for-dollar asset protection if you later need Medicaid. An agent can show you policies that meet the state requirements. You must purchase a Partnership-certified policy to qualify.
What factors affect long-term care insurance costs in Illinois?
Costs depend on your age, health, benefit amount, and policy features like inflation riders. In Illinois, premiums for a 55-year-old can range from 1,500 to 3,500 per year. Older applicants or those with health issues may pay significantly more.
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