Hoeg Insurance Agency specializes in long term care insurance, with products designed to meet individual and small business needs. Hoeg Insurance eliminates the confusion that sometimes surrounds long term care by answering questions and finding solutions that address most any life situation.

Hoeg Insurance will secure coverage to address every need, including:

• monthly benefits,
• nursing home care,
• assisted living,
• respite or adult day care,
• hospice or home care,
• bed reservations,
• supportive services,
• alternative care,
• shared care,
• worldwide care,
• return of premium,
• cash vs. reimbursement, and more.

Long term care is available with a variety of payment and benefit plans.

• Lifetime – premiums for the life of the policy
• Ten-pay – premium payments complete within ten years
• Paid up at 65 – premiums payable until the first anniversary of the policy, or the policy owner’s 65th birthday
• Reduced premium – increased premium amount due prior to age 65, followed by a 50% reduction of the premium that you paid prior to age 65
• Shared care – once all personal benefits are used, a spouse’s benefits can be available to the owner
• Return of premium – if a policy owner dies before using the LTC coverage, the paid premiums are returned to the owner’s family (a win-win situation!)

Hoeg Insurance, with nine providers to choose from, can help formulate a policy that will provide cash benefits to meet specific needs. With elimination period choices, monthly benefits, and reimbursement options, Hoeg Insurance will find the right long term care product for individuals age 35 and older.

Contact Hoeg insurance for complete information or specific plan details.