NH Nursing Home Insurance Information

New Hampshire Long Term Care Insurance

There are six primary factors influencing the
premium for long term care insurance policies:

Type of Policy: Facility, Home Health Care, or
Comprehensive

Age: The most important element in determining the
premium. Naturally the earlier you start paying for long
term care insurance the better.

Daily Benefit: The maximum amount a policy will
pay for one day of care. This can vary from $50 per
day to over $400 per day. You will decide whether to
purchase sufficient insurance to cover all of these
costs or only most of them.

Benefit Limit: The number of years that a plan will pay a benefit from
the time you get sick. Benefit limits generally vary from one year to
lifetime coverage. The longer the benefit limit, the greater the protection
but the higher the cost.

Inflation Protection: Sometimes called an "inflation rider", this
provides you with a way for your daily benefits to increase over time.
Otherwise, the policy may not be sufficient to protect you many years
from now. Long term care insurance policies normally contain riders
offering automatic daily benefit increases of 5 percent each year, either
at "simple" or "compounded" rates.

Elimination Period: Amount of time that you agree to pay out of your
own pocket before the plan (policy) begins to pay. This period normally
varies from 0 to 100 days. The 100-day elimination period will produce
the smallest premium cost to you.

We are your local southeastern New Hampshire, southern Maine insurance
agency, offering affordable long term care insurance policy premiums in the
following cities and counties: Somersworth, Durham, Portsmouth, Dover,
Rochester, Rollinsford, Barrington, Madbury, Lee, Strafford, Farmington,
Milton, Barnstead, Nottingham, Northwood, Raymond, Newmarket, Newfields,
Stratham, Rye, Hampton, Epping, Exeter, Salem, Danville, Deerfield, West
Rye, Derry, Chichester, South Barnstead, Gilmanton, New Durham,
Wolfeboro, Alton, Laconia, Berlin, Lebanon, East Candia, North Hampton,
Hanover, Littleton, Plymouth, Claremont, Newport, Keene, Hampton, Rye
Beach, Strafford County, Rockingham County, Hillsborough County,
Merrimack County, and Belknap County, NH. We also offer long term care
insurance policy services throughout the state of New Hampshire, including
the Manchester, Nashua, and Concord area. Our service area in southern
Maine includes the following cities and counties: South Lebanon, Kittery, Eliot,
Berwick, Sanford, Blaisdell Corners, Springvale, Emery Mills, Wells Beach,
York Beach, Kittery Point, Kennebunk, Saco, Biddeford, Alfred, Portland,
Scarborough, Westbrook, Waterboro, Shapleigh, Newfield, Buxton, Goodwins
Mills, South Sanford, Cape Elizabeth, South Portland, York County, and
Cumberland County, ME.

Long Term Care Insurance (Nursing Care)

There are three levels of nursing care that are covered by a long
term care insurance policy:

Custodial care: Care necessary due to a permanent or chronic
illness or injury, which is less intensive, but which may continue
indefinitely. This nursing care helps a person perform activities of
daily living or supervises a person if cognitive impairment exists.
Many custodial care situations start with a mild degree of illness
which is followed by slow deterioration. Alzheimer's disease is
one example where custodial care is usually needed. Other
types of insurance policies do not offer custodial care benefits.
The value of long term care insurance for you or a family
member and protecting a lifetime of created assets is never
more evident than in custodial care nursing services.

Skilled care: Short term nursing care needed after an illness or
serious injury. Consists of rehabilitative and intensive 24 hours per
day care.

Intermediate care: Rehabilitative care by a nurse for up to six
months and when less than 24-hours per day supervision is
needed.

Skilled care: Short term nursing care needed after an illness or
serious injury. Consists of rehabilitative and intensive 24 hours per
day care.

A long term care insurance specialist with Gorman Insurance will
assist you in deciding which type of policy will work best for your
needs.

Click on the link below to fill out a secure quote request form for a
New Hampshire Long Term Care Insurance policy that will provide
excellent long term care insurance coverage at an affordable cost.
Or speak with our Personal Insurance Agent specialist toll free at
1-800-678-3431 to discuss the features.

More Information on New Hampshire Long Term Care Insurance

Gorman Insurance &

Risk Management Services

396 High Street

Somersworth, New Hampshire

03878

Strafford County, NH

Toll Free: 1-800-678-3431

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(also Maine & Massachusetts)