Long Term Care Insurance


Long Term Care Basics

According to the U.S. Department of Health and Human Services, about 70% of Americans who reach age 65 will need long-term care at some point in their lives. More than 40% will need care in a nursing home.1 If you need round-the-clock care in an assisted living facility or nursing home, the expenses can be over $200 a day.2 To help protect your assets, your best option is an insurance plan that will bear the expenses of providing the care you need.

Crumes Insurance represents two different products, each with varying levels of coverage to fit your needs and budget.

Long-term care plans pay for periods of one year or more in a nursing home, an assisted living facility or in the comfort of your own home.

Short-term convalescent care plans pay for care in a nursing home, an assisted living facility, or in the comfort of your own home for a period of less than one year.

We help individuals and couples navigate through the different longterm care policies that are available to them.

How can I help?

Contact Cody today to set up an initial meeting to answer any questions you may have.

Who this day and age works on a Sunday afternoon? Luckily for Sharon and I, Cody Crumes was that insurance representative that came and talked with us. What had been several months of grueling agony for us, within an hour at our dining room table Cody was able to explain and show to us all of the information we tried to search on our own and cleared up those questions we were struggling with to find the answers so that we could make the ultimate decision that best fit our individual needs. Sharon and I would recommend that even if you feel you have an understanding of this important part of your life that you at least meet with Cody. As in our case, that hour could possibly be the best 60 minutes you will ever spend.

Bill & Sharon


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