Long-Term Care Insurance in La Plata, MD and Waldorf, MD

PERSONAL AND FINANCIAL PROTECTION FOR THE LONG TERM

For most Americans, a traditional life and health insurance package is enough to keep themselves and their families insured, but for many, additional coverage is required. At John L Sprague Agency, we offer extensive coverage options that can insure the care of those who need it most.

Long-term care insurance (LTC) helps provide for the medical expenses of extended home health care or nursing home costs beyond a specified period. In general, individuals who require long-term care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance.

The costs of long-term care can be quite expensive, and are typically not covered under basic health insurance, Medicare, or Medicaid. Long-term care insurance from John L Sprague Agency can protect your family’s financial future by providing valuable coverage benefits for costs associated with:

• Home Care
• Assisted Living
• Adult Daycare
• Hospice Care
• Nursing Homes
• Respite Care

Individuals looking to purchase long-term care insurance must meet certain conditions in order to qualify for benefits. Talk to an insurance professional with John L Sprague Agency to learn more about long-term care insurance.

All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

NFW-7750AO (02/18)