(208) 882-4414 Moscow, ID

Latah County, Moscow, ID. - Long Term Care Insurance

Understanding Long Term Care Insurance: Your Future is Our Priority


Welcome to Kelly Kimberling Insurance Agency, where we care about your future and your peace of mind. Life is full of uncertainties, and as we age, the need for long-term care becomes a reality for many of us. Here in Latah County, Moscow, ID., we’re committed to helping you understand the importance of long-term care insurance and how it can safeguard your financial well-being. For personalized assistance, don't hesitate to call us at 208-882-4414.

Why Long Term Care Insurance?

Long-term care insurance is designed to cover the costs of services that assist with activities of daily living, such as bathing, dressing, and eating. It’s not just for the elderly; anyone can require long-term care due to chronic illness, disability, or injury. By planning ahead, you can avoid the high costs of long-term care services, ensuring that you or your loved ones receive the necessary care without depleting your savings. Reach out to Kelly Kimberling Insurance Agency at 208-882-4414 to learn more.

Typical Claims Covered

When considering long-term care insurance, it’s essential to know what types of claims are typically covered. Here are some common scenarios:

In-Home Care

Services provided in your own home, such as nursing care, physical therapy, and assistance with personal care.

Assisted Living Facilities

Costs associated with living in a facility that offers help with daily activities while promoting independence.

Nursing Home Care

Comprehensive care in a nursing home setting, including medical and non-medical support.

Adult Day Care Services

Daytime care services for adults, providing social activities and health services in a safe environment.

Home Modifications

Financial assistance for modifying your home to accommodate mobility challenges, such as installing ramps or grab bars.

Respite Care

Temporary relief for primary caregivers, giving them a break from the daily responsibilities of caregiving.


Planning for the Future

It’s never too early to start thinking about long-term care insurance. By planning now, you can choose a policy that meets your needs and fits your budget. At Kelly Kimberling Insurance Agency, we’re here to guide you through the process. Our experts will help you understand your options and select the best coverage. Call us today at 208-882-4414 to schedule a consultation.

The Cost of Long Term Care

The cost of long-term care can vary widely based on the type of care and location. Here’s a quick look at average costs:

Type of Care Average Annual Cost
In-Home Care $50,000
Assisted Living Facility $48,000
Nursing Home Care $100,000

Get Started with Kelly Kimberling Insurance Agency

Don’t wait until it’s too late to secure your future. Contact Kelly Kimberling Insurance Agency today to learn more about long-term care insurance. Our team is dedicated to providing you with the best possible service and support. Call 208-882-4414 or fill out our online quote request form to get started.