The top-rated long-term care insurance agent in Carol Stream, Illinois is Huyen Nguyen - State Farm Insurance Agent, rated 5.0 stars across 326 reviews. Other highly rated options include Julia Skuibida Agency Inc American Family Insurance, Randy Weissenhofer - State Farm Insurance Agent, John Bucaro: Allstate Insurance. This directory lists 11 long-term care insurance agents serving Carol Stream.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Huyen Nguyen - State Farm Insurance Agent | 226 W Army Trail Rd | (630) 517-8112 |
| 2 | Julia Skuibida Agency Inc American Family Insurance | 370 S Schmale Rd | (773) 235-9900 |
| 3 | Randy Weissenhofer - State Farm Insurance Agent | 796 W Army Trail Rd | (630) 289-9700 |
| 4 | John Bucaro: Allstate Insurance | 545 E North Ave. | (630) 690-8800 |
| 5 | Frank Di Stefano - COUNTRY Financial Representative | 245 S Gary Ave | (630) 480-3325 |
| 6 | Salemi Insurance Agency | 1274 Kuhn Rd | (630) 668-8000 |
| 7 | Loyal Insurance Illinois | 351 S Main Pl | (312) 801-5948 |
| 8 | Sean Quirk - COUNTRY Financial Representative | 245 S Gary Ave | (630) 620-0541 |
| 9 | Farmers Insurance - Ryan Bravi | 511 Thornhill Dr Ste A | (630) 480-7419 |
| 10 | Thomas Spathis American Natl | 135 E St Charles Rd Ste D | (630) 682-0101 |
Huyen Nguyen - State Farm Insurance Agent serves Carol Stream, IL, and the greater DuPage County area, providing long-term care insurance solutions. This agency helps local families plan for future care needs that traditional health insurance does not cover. They guide clients through insurance options designed to protect savings from the high costs of extended nursing home or home-based assistance. Their services include offering personalized policy reviews and assisting with claims for in-home care or assisted living facility coverage.
Julia Skuibida Agency Inc American Family Insurance provides long-term care insurance agent services in the Carol Stream, IL area. This agency helps clients understand policy options designed to cover extended care needs such as nursing home stays or in-home assistance. Service plans include policy review and claims support to ensure coverage aligns with evolving health requirements. Regular maintenance involves updating beneficiary information and coordinating with care providers when needed. The company services a range of property types, including single-family homes, apartments, retail spaces, and restaurants.
Randy Weissenhofer - State Farm Insurance Agent in Carol Stream, IL serves local homeowners and families seeking financial protection for future care needs. This agency specializes in long-term care insurance, which helps cover costs of in-home assistance, assisted living, or nursing home care many traditional plans do not cover. Policies can be tailored to preserve savings and provide family peace of mind. Understanding coverage details and plan options is central to client consultations. The agency also serves residents and families throughout neighboring Wheaton and the greater DuPage County area.
When winter weather raises concerns about mobility and safety for seniors in Carol Stream, John Bucaro Allstate Insurance addresses the need for proactive financial preparation. As a long-term care insurance agent, this agency helps local families plan for assisted living, home health aides, or nursing facility costs that Medicare does not cover. Policies are tailored to individual health profiles and budget expectations. A comprehensive initial needs assessment appointment can be scheduled to review personal assets and future care preferences.
Frank Di Stefano - COUNTRY Financial Representative in Carol Stream, IL helps clients understand the difference between one-time long-term care policies, which provide a lump sum, and recurring benefit options. Coverage is designed to assist with expenses from daily living assistance, such as in-home care or nursing facility stays, that typical health insurance does not cover. Tailoring a plan to individual needs involves evaluating risk factors and future care preferences. Service is available on an as-needed basis, with appointments scheduled directly to address specific planning questions.
Salemi Insurance Agency specializes in long-term care insurance, focusing on helping clients protect assets and plan for future care needs. Based in Carol Stream, Illinois, it provides guidance on policy options, coverage details, and financial strategies for nursing home, home health, or assisted living expenses. As a local agent, it works with individuals and families to assess risk and tailor solutions. The agency also assists with concerns about coverage gaps during open enrollment periods or following a recent health change in a household.
Loyal Insurance Illinois assists clients in navigating the complexities of long-term care coverage, offering individual plans and workplace benefits as specialty options. The agent works with families by explaining policy features, including daily benefit amounts and elimination periods. In the Carol Stream area, this agent also provides consultation for commercial sectors such as local offices, warehouses, and food service establishments, tailoring financial protection strategies for their diverse employee populations.
Serving residential clients in Carol Stream, Sean Quirk - COUNTRY Financial Representative helps individuals plan for long-term care needs. Commercial coverage is also available for local businesses in the area. As a long-term care insurance agent, the focus is on assessing future care scenarios and matching policies to individual situations. Routine follow-up is conducted after each policy is established to review any changes in client needs. This service continues between regular annual visits to ensure coverage remains appropriate and updated.
Farmers Insurance - Ryan Bravi is a long-term care insurance agent serving the Carol Stream, Illinois area. The agency is known for helping individuals plan for future care needs without depleting personal assets. It offers a range of long-term care insurance policies designed to cover home care, assisted living, and nursing home expenses. Clients receive guidance on policy options that protect their savings and provide financial security during retirement. A specialty service this agency can add on is a retirement income planning review linked to long-term care coverage.
Serving Carol Stream and the surrounding communities in DuPage County, Thomas Spathis American Natl handles Long-Term Care Insurance planning for local residents. The agency works with individuals and families to help address the potential financial risks of extended care needs. It assists clients in comparing available policy options for coverage of home care, assisted living, and nursing home services. The typical process begins with a personal consultation to assess client circumstances, followed by a review of suitable plans to match coverage goals and budget requirements.
What Does a a Long-Term Care Insurance Agent in Carol Stream Cost?
In Illinois the cost of a long-term care insurance policy depends on your age health and benefit amount. A typical policy for a 55 year old might cost between 1500 and 3000 per year. Premiums for a 65 year old can range from 2500 to 5000 annually. These costs vary by case and insurer. This is general information not insurance advice.
About long-term care insurance agents in Carol Stream
A long-term care insurance agent in Carol Stream Illinois can help you find a policy that covers nursing home care home health care and assisted living. Illinois offers a Partnership Program that allows policyholders to protect assets equal to the benefits paid out. Working with a local agent ensures you understand how Illinois law affects your coverage options.
Frequently Asked Questions
What does a long-term care insurance agent in Carol Stream do?
An agent helps you compare policies from different insurers to find coverage that fits your budget and needs. They explain benefit triggers elimination periods and inflation protection options. Agents also guide you through Illinois specific rules like the state Partnership Program.
Does Illinois have special rules for long-term care insurance?
Yes Illinois requires insurers to offer inflation protection and nonforfeiture benefits. The Illinois Partnership Program lets policyholders keep assets equal to benefits paid if they need Medicaid later. Agents must be licensed by the Illinois Department of Insurance.
How do I choose a long-term care insurance agent in Carol Stream?
Look for an agent with experience in long-term care policies and knowledge of Illinois regulations. Ask about their familiarity with the Partnership Program and different policy types. Check their license status on the Illinois Department of Insurance website.
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