The top-rated long-term care insurance agent in Lincoln, Rhode Island is Medicare Joe ®, rated 4.9 stars across 1,385 reviews. Other highly rated options include Mapogo Insurance Group, The Lawrence Agency, Your Blue Store. This directory lists 12 long-term care insurance agents serving Lincoln.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Medicare Joe ® | 6 Blackstone Valley Pl STE 515 | (888) 676-3633 |
| 2 | Mapogo Insurance Group | 872 Smithfield Ave | (508) 206-8766 |
| 3 | The Lawrence Agency | 872 Smithfield Ave | (401) 726-3210 |
| 4 | Your Blue Store | 622 George Washington Hwy A - 06 | — |
| 5 | Amica Mutual Insurance Company | 100 Amica Way | (800) 242-6422 |
| 6 | Blais Insurance | 1 Walker St | (401) 725-0070 |
| 7 | Farmers Insurance - Matthew Gilson | 132 Old River Rd STE 203 | (401) 270-2247 |
| 8 | MetLife Auto & Home, part of Farmers Insurance Group | 132 Old River Rd Suite 203 | (401) 270-2247 |
| 9 | Amica Insurance | 25 Amica Center Blvd | — |
| 10 | Laura Gustafson, CFP , CLU , ChFC | 12 Linfield Dr | (401) 816-5799 |
Medicare Joe serves the Lincoln, Rhode Island area as a long-term care insurance agent, helping individuals plan for future care needs. It specializes in policies that cover home health aides, assisted living, and nursing home expenses, providing clients with guidance on protecting their assets. The agency assists with understanding policy options and coordinating coverage suited to individual goals and budgets. It also handles claims support and policy adjustments to meet changing care requirements across the region.
Mapogo Insurance Group provides long-term care insurance solutions to clients in the Lincoln, Rhode Island area. The agency assists individuals in evaluating their potential future care needs and identifying appropriate coverage options to protect assets and plan for extended care services. Ongoing policy reviews and claims support are available to ensure coverage remains aligned with changing circumstances. The company serves homeowners, renters, apartment dwellers, and commercial property operators including retail and restaurant businesses.
The Lawrence Agency serves individuals and families in Lincoln seeking to protect their assets from the high costs of future care. As a long-term care insurance agent, it helps clients understand policy options that cover home care, assisted living, and nursing home expenses. Planning for these needs now provides essential financial security later in life. The agency assists residents throughout Rhode Island, also regularly working with clients in Providence and surrounding neighborhoods across the greater Providence metropolitan area.
Amica Mutual Insurance Company, located in Lincoln, RI, assists clients by distinguishing between a single long-term care insurance policy purchase and the recurring need to update coverage as care costs or personal circumstances shift. Their expertise helps customers navigate policy features such as daily benefit amounts, elimination periods, and inflation protection riders for future care needs. This service operates primarily on an as-needed basis for individual consultations and policy reviews.
As winter weather increases fall risks among older adults in Lincoln, Blais Insurance helps families prepare financially for such events by offering long-term care insurance policies. This experienced agent works one-on-one with local residents to explain how coverage can protect retirement savings from the high costs of home health aides, assisted living, or nursing care. They focus on policies that suit each client’s health situation and budget. The initial step typically involves a conversation to review current assets and determine the appropriate coverage amount.
Farmers Insurance - Matthew Gilson helps individuals and families plan for future care needs through long-term care insurance policies. This agency specializes in covering expenses like home health aides, assisted living, and nursing home care, which are often not covered by standard health plans. Serving the Lincoln, Rhode Island area, it works with local offices, warehouses, and food service businesses.
MetLife Auto & Home, part of Farmers Insurance Group, provides long-term care insurance services to residents of Lincoln, Rhode Island. The agency also addresses the commercial coverage needs of local businesses seeking to protect their assets. Service extends throughout the surrounding communities, helping clients plan for potential care expenses in later years. The agency takes time to explain policy options during initial consultations. Follow-up service is available between regular scheduled visits to answer questions or process policy adjustments as needs change.
Laura Gustafson, CFP, CLU, ChFC provides guidance for long-term care insurance planning in Lincoln, Rhode Island. Personalized consultations assist clients in evaluating their future care needs and exploring suitable policy options. Ongoing policy review and claims support are included to ensure coverage remains aligned with individual circumstances. Client education focuses on the financial risks of extended care and the role of insurance in asset protection. Services address the needs of individuals and families residing in single-family homes, apartments, retirement communities, and assisted living facilities.
What Does a a Long-Term Care Insurance Agent in Lincoln Cost?
Long-term care insurance agent services in Rhode Island are typically commission-based, meaning you do not pay a separate fee for the agent. Policy premiums vary widely by age and health, with annual costs for a 55-year-old ranging from 1,500 to 3,000 dollars for a basic plan. Costs for older applicants or those with health issues can be higher. This is general information, not insurance advice.
About long-term care insurance agents in Lincoln
Long-term care insurance agents in Lincoln, Rhode Island help residents plan for future care needs. Rhode Island offers the Partnership for Long-Term Care program, which allows policyholders to protect assets equal to the benefits paid. An agent can explain how this state-specific program works with your financial plan.
Frequently Asked Questions
What does a long-term care insurance agent in Lincoln do?
An agent helps you compare policies from multiple insurers and explains coverage options. They can show how a policy meets Rhode Islands Partnership requirements for asset protection. The agent does not provide legal or tax advice.
Is long-term care insurance required in Rhode Island?
No, Rhode Island does not require residents to have long-term care insurance. However, the state encourages planning through the Partnership program. An agent can help you decide if a policy fits your needs.
How does the Rhode Island Partnership program work?
The program lets you keep assets equal to the amount your policy pays out. For example, if your policy pays 100,000 dollars, you can protect that much from Medicaid spend-down. An agent can explain eligibility and policy requirements.
Long-Term Care Insurance Agents in Other Rhode Island Cities
Cranston · East Greenwich · Johnston · Middletown · North Kingstown · North Providence · Pawtucket · Providence · Warwick · Westerly