Long-Term Care & Medicare
Are you receiving all the benefits possible from long-term care insurance? Do you know about benefits that are not included when you self-insure? HERO advisors deliver expertise in specialty coverages like long-term care and Medicare. The perfect blend of needs, coverages, and policies is unique in every portfolio. Get one-on-one attention and tailored coverage you need.
Custom Plans for the Long-Term
-
Individual LTC Insurance
Your HERO advisor will build a plan offering the most appropriate set of coverages from diverse options. You choose the “how and where” care options that are best for your situation.
-
Asset-Based LTC Insurance
Take advantage of the easiest of the LTC products to adopt when you are presented with asset challenges. Get the benefits of available single-premium options.
-
Qualified LTC Benefits
Accelerated benefit riders can be added to your individual LTC policies. Notably, a rider could create the possibility to “lock in” a premium for the life of the policy.
-
Life Insurance with a LTC or Critical Illness Rider
Let your HERO advisor bring options for death benefits. Lack of death benefits in LTC policies requires the purchase of life insurance if you desire both coverages.
-
LTC Tax-Free Benefits
LTC policies are unique because they are tax-deductible. The IRS values the payout similarly to reimbursements for medical expenses. Ask your advisor.
-
Medicare Options
Regardless of your estate status, Medicare provides health coverage to people ages 65+ or individuals under the age of 65 with a disability.
Achieve your goals and build a future you can count on with HERO Insurance & Planning.
Contact us for a policy review today.
Connect with the experts at HERO and take your first step to building a smarter, more dependable portfolio.
Office: (507)268-4370
Mobile: (612)462-0665
Address: 207 Parkway Avenue North, Lanesboro, MN 55949