The top-rated long-term care insurance agent in Fairfield, Connecticut is Farmers Insurance - Oluwatoyin Ogunbiyi, rated 5.0 stars across 168 reviews. Other highly rated options include Mark Otterson - State Farm Insurance Agent, Colleen Tighe - State Farm Insurance Agent, Cusmano Agency. This directory lists 19 long-term care insurance agents serving Fairfield.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Oluwatoyin Ogunbiyi | 303 Linwood Ave Ste 1f | (203) 884-6718 |
| 2 | Mark Otterson - State Farm Insurance Agent | 2452 Black Rock Tpke #1 | (203) 690-1330 |
| 3 | Colleen Tighe - State Farm Insurance Agent | 102 Kings Hwy E | (203) 953-3220 |
| 4 | Cusmano Agency | 425 Kings Hwy E | (203) 394-6645 |
| 5 | Macman Insurance Associates | 585 Villa Ave | (203) 384-9000 |
| 6 | Karen Fowler: Allstate Insurance | 1495 Black Rock Tpke | (203) 333-4413 |
| 7 | The Morfe-Behan Agency: Allstate Insurance | 173 Post Rd | (203) 445-6029 |
| 8 | Health Directions | 1300 Post Rd # 100 | (203) 255-7700 |
| 9 | Morrison Insurance Agency | 580 Tunxis Hill Rd | (203) 336-9198 |
| 10 | Nationwide Insurance: Stephen F Boccarossa | 1828 Post Rd | (203) 256-8029 |
Farmers Insurance - Oluwatun Ogunbiyi serves Fairfield, Connecticut, and the surrounding county, providing long-term care insurance agent services to local residents. These professionals assist individuals in planning for future care needs, including home health care and assisted living facility expenses. They also guide clients through policy options that help protect savings from the high costs of extended medical care. Common tasks include comparing benefit periods and daily coverage amounts tailored to each person’s retirement plan. This office specifically handles policy selection and enrollment for long-term care coverage.
Mark Otterson - State Farm Insurance Agent in Fairfield, CT, provides long-term care insurance services, helping clients plan for future care needs. The agency explains coverage options and assists with policy maintenance, including reviewing existing plans and adjusting benefits as circumstances change. Regular consultations ensure policies remain aligned with personal goals. The agency serves single-family homeowners, apartment dwellers, retail workers, and restaurant employees in the local area.
Colleen Tighe - State Farm Insurance Agent serves homeowners, renters, and small business owners in Fairfield, Connecticut, who are seeking long-term care insurance coverage. This agent provides personal consultations to help clients understand policy options for future care needs. Assistance is offered with comparing benefit periods and daily coverage amounts tailored to individual circumstances. The agency also supports existing policyholders with claims guidance and simple plan adjustments. Service areas extend to neighboring Bridgeport and the surrounding communities across the greater Fairfield metro area.
Cusmano Agency offers a choice between a one-time consultation to structure a policy and ongoing, recurring service to manage claims and adjust coverage as needs change. Their work focuses on explaining how long-term care insurance covers in-home care, assisted living, and nursing home expenses for clients in Fairfield, CT. This insurance function reduces the financial risk of extended care, which is not fully covered by health insurance or Medicare. Their services are available on either a one-time or an as-needed basis.
Serving Fairfield, Connecticut, and the surrounding communities, Macman Insurance Associates handles long-term care insurance needs for local families. This independent agency helps clients evaluate policies that cover nursing home stays, assisted living, and in-home care services. It assists individuals in comparing plan options from various carriers to address potential future health costs. Macman Insurance Associates begins each client engagement by assessing current health status and financial considerations, then presents tailored coverage proposals to support informed decision-making.
As a long-term care insurance agent, Karen Fowler, Allstate Insurance, offers financial strategies that can help cover home care, assisted living, and nursing home costs. Working in the Fairfield area, the agency assists clients with policy analysis and coverage evaluations to address future care needs. This includes reviewing existing policies to understand benefit triggers and daily benefit amounts. For those facing a recent health change or planning for retirement in the coming season, it can provide immediate guidance on securing appropriate long-term care protection.
As Fairfield County residents begin planning for the financial challenges of an aging population, exploring long-term care insurance becomes a practical step. The Morfe-Behan Agency: Allstate Insurance provides guidance on policies that help cover future needs for home care or assisted living. Their agents work directly with clients to explain coverage options and how long-term care insurance fits into an overall financial strategy. They schedule an initial consultation to review current health status and potential future care preferences before presenting policy options.
Health Directions works with individuals and families in Fairfield, CT, to arrange coverage for future care needs. As a long-term care insurance agent, the company focuses on policies that pay for assistance with daily living activities, whether at home or in a facility. This coverage helps people protect their savings against the high expense of extended care. The agency can serve a variety of commercial sectors in the local area, including offices, warehouses, and food service environments, helping their employees plan for long-term financial security.
Morrison Insurance Agency, based in Fairfield, CT, is known for helping clients navigate the complexities of long-term care coverage. The agency assists individuals in planning for future care needs by offering policies that protect assets and ensure access to necessary services. As a local resource, it provides guidance on coverage options suited to different life stages and financial situations. For those seeking broader protection, the agency can also help incorporate a short-term care policy as a flexible alternative to traditional plans.
Nationwide Insurance: Stephen F Boccarossa serves residents of Fairfield, Connecticut, needing long-term care insurance. This office offers commercial coverage for local businesses as well as individual policies, providing guidance throughout Fairfield and the surrounding areas. The agent works with clients to assess their future care needs and select appropriate insurance solutions. After an initial policy is set, the office follows up with clients to review any changes in circumstances, ensuring coverage remains suitable between regular visits.
What Does a a Long-Term Care Insurance Agent in Fairfield Cost?
The cost of long-term care insurance in Connecticut varies widely based on age, health, benefit amount, and policy features. For a 55-year-old couple, annual premiums can range from 2,500 to 5,000 dollars for a comprehensive policy. A single 60-year-old might pay 1,500 to 3,000 dollars per year. These are estimates only. This is general information, not insurance advice.
About long-term care insurance agents in Fairfield
Fairfield residents planning for future care needs can work with a long-term care insurance agent to find suitable coverage. Connecticut offers a Partnership for Long-Term Care program that allows policyholders to protect assets equal to the benefits paid. An agent can help you compare policies from multiple carriers and explain how state rules affect your coverage.
Frequently Asked Questions
What does a long-term care insurance agent in Fairfield do?
An agent helps you evaluate and purchase long-term care insurance policies. They explain benefit options, inflation protection, and how Connecticut Partnership policies work. They do not provide financial or legal advice.
How does Connecticut Partnership for Long-Term Care affect my policy?
Connecticut Partnership policies allow you to protect assets dollar-for-dollar equal to the benefits your policy pays. This means if your policy pays 100,000 dollars in benefits, you can keep 100,000 dollars in assets and still qualify for Medicaid. Your agent can explain which policies qualify.
Are there time limits for buying long-term care insurance in Connecticut?
Connecticut does not have a state time limit for purchasing a policy. However, premiums increase with age and health conditions. Most insurers require medical underwriting, so buying earlier can lock in lower rates and guarantee coverage.
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