Long Term Care Insurance

Long Term CareA long term illness or accident resulting in skilled nursing care can wipe out a family's savings and deplete assets that were meant to pass on to the next generation.  An insurance policy covering in-home care, assisted living, or skilled care nursing home expenses can save a family this devastation and enable the policyholder to maintain their dignity by not having to depend on their family for day to day care.

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Most long term care policies are expense reimbursement policies and can be customized to the specific needs and budget of the individual.  Some of the choices available are shown below:

  • Maximum Daily / Monthly Benefits
  • Benefit Payment Length
  • Waiting Period
  • Inflation Provision
  • Payment Mode
  • Spousal Benefit Sharing

* At least 40% of persons reaching the age of 65 will need nursing facility care.  (America's Health Insurance Plans (AHIP).  "Guide to Long Term Care Insurance" 2002)

** The average cost of a skilled care nursing facility in Alabama is $54,750 per year. (Metlife Mature Market Insititute.  "The Metlife survey of Nursing Home and Home Care Costs")

Applicants for long term care are reviewed by underwriters and must be approved for coverage before needing care.

For More Information you may call CSI at 256-543-7660 ext. 2202 or you may email Jim Houston. Click Here To Send Email


Community Services, Inc. is a subsidiary of Community Credit Union and has agents licensed and authorized to conduct insurance business in Alabama. This website is in no way to be construed as an offer for the sale of insurance in unauthorized states or countries. Insurance services offered through Community Services, Inc., a subsidiary of Community Credit Union.  Insurance products are not an obligation of or guaranteed by Community Credit Union.