The top-rated long-term care insurance agent in Middlebury, Vermont is Carter Insurance Agency, LLC, rated 5.0 stars across 164 reviews. Other highly rated options include Jim Soriano - State Farm Insurance Agent, Co-operative Insurance Companies, Elderly Services Inc.. This directory lists 12 long-term care insurance agents serving Middlebury.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Carter Insurance Agency, LLC | 1396 US-7 | (802) 385-1189 |
| 2 | Jim Soriano - State Farm Insurance Agent | 57 Court St | (802) 388-3276 |
| 3 | Co-operative Insurance Companies | 292 Colonial Dr | (800) 388-6638 |
| 4 | Elderly Services Inc. | 112 Exchange St | (802) 388-3983 |
| 5 | Laberge Insurance Inc | 1 Washington St | (802) 388-2772 |
| 6 | Eastview at Middlebury | 100 Eastview Terrace | (802) 989-7500 |
| 7 | Direct Travel - Middlebury | 73 Main St #1 | (802) 388-3125 |
| 8 | Holden Financial Services, Inc | 94 Court St | (802) 388-4992 |
| 9 | The Richards Group | 152 Maple St UNIT 203 | (802) 254-6016 |
| 10 | Fraga & Lilja | 2 Cross St | (802) 388-9863 |
Carter Insurance Agency, LLC serves the greater Middlebury, Vermont area as a provider of long-term care insurance solutions. The agency helps clients plan for the costs associated with extended personal care needs, such as assistance with daily living activities. Policies offered are designed to protect assets and ensure access to quality care in the future. The agency handles consultations to evaluate individual needs and also assists with the process of comparing policy options to find suitable coverage.
Jim Soriano - State Farm Insurance Agent in Middlebury, VT, offers a range of long-term care insurance services focused on helping individuals plan for future health and personal care needs. The agency works with clients to explore policy options that cover assisted living, nursing home care, and in-home support services. Available maintenance plans involve periodic policy reviews to adjust coverage as circumstances change, including access to claim assistance. The company provides these services to single-family homes, apartments, retail establishments, and restaurants located throughout the local area.
Homeowners, families, and individuals in Middlebury turn to Co-operative Insurance Companies for long-term care insurance services. The agency assists clients in planning for future care needs with policies that cover nursing home, assisted living, and in-home support. By explaining coverage options and guiding customers through the application process, this local agent helps protect assets and ensure care access. The company similarly serves neighboring communities throughout Addison County and the greater Burlington area.
Elderly Services Inc. helps families in Middlebury, Vermont navigate the difference between a one-time policy purchase, which secures a fixed pool of future benefits, and recurring premium schedules that maintain active coverage. As a long-term care insurance agent, the company assists with selecting plans that cover home health aides, assisted living, and skilled nursing care. Clients receive guidance to review their current contracts. This local service operates on an as-needed basis for initial consultations and policy adjustments.
Laberge Insurance Inc in Middlebury, VT provides long-term care insurance agent services, primarily helping clients evaluate policies that cover home care, assisted living, and nursing home expenses. The agency also assists individuals in comparing coverage options and understanding policy benefits to address future health needs. Seasonal concerns such as winter weather can increase the risk of falls or injuries, and the agency helps clients plan ahead with tailored coverage for such eventualities.
Serving Middlebury and the surrounding Addison County communities, Eastview at Middlebury is a long-term care insurance agent. It handles policies that help clients plan for future care needs, including in-home assistance and skilled nursing facility costs. The agent works with individuals to evaluate their financial situations and find appropriate coverage options to protect their assets. Its typical approach involves reviewing a client’s current health and retirement goals before recommending a suitable policy from available insurers.
As winter weather in Middlebury increases the risk of slips and falls, securing reliable long-term care coverage becomes an important consideration for older residents. Direct Travel - Middlebury offers guidance on policies that can help protect personal savings while providing access to necessary care services. The agency explains the differences between traditional and hybrid long-term care options, tailoring recommendations to individual health needs and budget realities. An initial consultation begins with a complimentary policy review and assessment of current health and financial goals to determine appropriate coverage levels.
Holden Financial Services, Inc offers long-term care insurance guidance to residents in and around Middlebury, VT. Commercial clients are also served for their long-term care planning needs. Their service territory covers Addison County. An agent works with individuals to compare policy structures and potential benefit triggers. New applications are processed thoroughly to help align coverage with future care preferences. Follow-up consultations are provided to review coverage adjustments or to discuss renewal options between regular service visits.
The Richards Group provides long-term care insurance planning services to clients in Middlebury, Vermont, helping individuals prepare for future care needs that are not covered by standard health insurance or Medicare in this region. They focus exclusively on long-term care policies, which can protect personal assets and offer flexibility in care choices. The company serves both office-based professionals and local commercial sectors, including warehouses and food service operations.
Fraga & Lilja in Middlebury, VT, is known for guiding clients through the complexities of long-term care insurance selection. The company serves individuals and families across the region by explaining policy options that address future care needs and asset protection. Its agents focus on matching coverage to each client’s financial situation and health considerations. For existing policyholders, Fraga & Lilja offers annual policy reviews to adjust benefits as health status or premiums change.
What Does a a Long-Term Care Insurance Agent in Middlebury Cost?
Long-term care insurance premiums in Vermont vary by age, health, and coverage level. A typical policy for a 55-year-old can cost between $1,500 and $3,000 per year. Policies with inflation protection and longer benefit periods cost more. Costs also depend on the daily benefit amount and elimination period you choose. This is general information, not insurance advice.
About long-term care insurance agents in Middlebury
Long-term care insurance agents in Middlebury, Vermont help residents plan for future care needs. Vermont offers a Long-Term Care Partnership Program that allows policyholders to protect assets while qualifying for Medicaid. Agents in Middlebury can explain how this program works with your existing financial plan.
Frequently Asked Questions
What is the Vermont Long-Term Care Partnership Program?
This program lets you keep assets equal to the benefits paid by your policy if you later need Medicaid. It is designed to encourage private insurance use before public assistance. An agent can help you find a qualifying policy in Middlebury.
How do I choose a long-term care insurance agent in Middlebury?
Look for agents licensed in Vermont with experience in long-term care policies. Ask about their knowledge of Vermont regulations and the Partnership Program. Verify their credentials through the Vermont Department of Financial Regulation.
Are there age limits for buying long-term care insurance in Vermont?
Most insurers offer policies to people aged 18 to 84, but premiums increase with age. Vermont law requires agents to explain rate stability and potential increases. Buying in your 50s or 60s often provides more affordable rates.