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Showing 2 long-term care insurance agents in Albany, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Jay Scott - State Farm Insurance Agent
828 San Pablo Ave #105f, Albany, CA 94706
(510) 528-6333
regeneragent.com
Berkeley Insurance & Financial Services
555 Pierce St CML#2, Albany, CA 94706
(510) 984-0161
bifs1.com
What Does a Long-Term Care Insurance Agent in Albany Cost?
Long-term care insurance agents in California typically do not charge a separate fee; they earn commissions from the insurance company. Policy premiums vary widely based on age, health, benefit amount, and coverage type. For a healthy 55-year-old, a policy with a 3-year benefit period and 3% inflation might cost between $1,500 and $3,000 per year. Costs can be higher for older applicants or those with health conditions. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a long-term care insurance agent in Albany do?
An agent helps you evaluate and purchase long-term care insurance policies. They explain benefit triggers, elimination periods, and inflation protection options. In California, agents must be licensed by the California Department of Insurance.
Is long-term care insurance required in California?
No, long-term care insurance is not required by California law. However, it can help cover costs that Medicare and regular health insurance do not pay for. The California Partnership program offers special consumer protections for qualified policies.
How do California Partnership policies work?
California Partnership policies are state-approved plans that include inflation protection and asset disregard. If you use benefits, you can keep assets equal to the benefits paid when applying for Medi-Cal. These policies must meet specific state standards.