The top-rated long-term care insurance agent in Elk Grove Village, Illinois is Guillermo Chavez-Angeles - State Farm Insurance Agent, rated 4.9 stars across 1,044 reviews. Other highly rated options include Matthew Harrold American Family Insurance, Johnson Insurance Agency Inc, Midwest Insurance Agency. This directory lists 14 long-term care insurance agents serving Elk Grove Village.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Guillermo Chavez-Angeles - State Farm Insurance Agent | 836 E Higgins Rd | (847) 734-0400 |
| 2 | Matthew Harrold American Family Insurance | 1002 Rohlwing Rd | (847) 246-4044 |
| 3 | Johnson Insurance Agency Inc | 25 NW Point Blvd #925 | (847) 437-0030 |
| 4 | Midwest Insurance Agency | 1301 E Higgins Rd | (630) 472-2300 |
| 5 | Joe Morreale - State Farm Insurance Agent | 668 Meacham Rd | (847) 301-0313 |
| 6 | Jennifer Rupert - State Farm Insurance Agent | 1325 S Arlington Heights Rd #205 | (847) 472-9720 |
| 7 | Union Life Insurance Company | 1400 Elmhurst Rd | (847) 744-9612 |
| 8 | Gallagher Insurance, Risk Management & Consulting | 25 NW Point Blvd #625 | (847) 758-1000 |
| 9 | Hollinger Insurance Services | 220 S Lively Blvd | (847) 437-2184 |
| 10 | B Insured Commercial Insurance Solutions | 1400 E Higgins Rd Ste A | (630) 481-6900 |
Guillermo Chavez-Angeles - State Farm Insurance Agent serves Elk Grove Village and the surrounding Cook County area, specializing in long-term care insurance planning. This agency helps individuals and families prepare for the potential costs of extended health care needs that standard health insurance and Medicare do not fully cover. With a focus on financial protection, the office assists clients in evaluating their assets and selecting appropriate policy options. It handles policy comparisons and coverage advice for home care and assisted living services.
Matthew Harrold American Family Insurance in Elk Grove Village, Illinois provides long-term care insurance agent services, including policy consultation, plan comparisons, and application assistance for local clients. Ongoing service plans involve annual policy reviews and updates to coverage as individual needs or regulations change. The agency helps individuals plan for future care costs while protecting assets. Its long-term care solutions typically service single-family homes, apartments, retail establishments, and restaurants in the surrounding area.
Located in Elk Grove Village, Johnson Insurance Agency Inc serves seniors, families, and individuals seeking financial protection through long-term care insurance. The agency guides clients in selecting policies that help cover costs associated with extended nursing home stays, assisted living facilities, or in-home care. By explaining coverage options, waiting periods, and benefit amounts, the agent assists with planning for future healthcare needs. Services also are available to residents in neighboring areas such as Schaumburg and throughout the northwest Chicago suburbs.
Serving Elk Grove Village and surrounding communities in the Chicago area, Midwest Insurance Agency handles long-term care insurance policies. These plans help clients cover costs for extended personal care services that standard health insurance or Medicare usually do not cover. Common examples include assistance with daily activities in a home, an assisted living facility, or a skilled nursing home. When a client begins a typical job, the agency first assesses their current finances and health needs before comparing different policy options to find an appropriate plan.
Joe Morreale, a State Farm Insurance agent in Elk Grove Village, IL, helps clients understand that long-term care coverage can be structured as a one-time policy purchase or as a recurring plan with ongoing premium payments. This type of insurance typically covers personal care assistance, such as help with bathing or dressing, for those who can no longer manage daily activities independently. Policyholders often rely on these benefits in a home, assisted living facility, or nursing home setting. Service for this agent’s policies runs on an as-needed basis.
Jennifer Rupert - State Farm Insurance Agent in Elk Grove Village, IL, specializes in arranging long-term care insurance policies that help cover the costs of extended home health, assisted living, or skilled nursing facility stays. The agency also provides general guidance on safeguarding personal savings against potential future care needs. With an aging population across the Chicago suburbs, this office assists families in addressing the financial uncertainty that arises when a health event necessitates immediate, ongoing assistance.
Union Life Insurance Company helps individuals and families in the Elk Grove Village area prepare for the costs of extended care. As a long-term care insurance agent, the company specializes in policies covering nursing home stays, assisted living, and home health care. They guide clients through plan options to manage future needs. This business serves local commercial sectors including offices, warehouses, and food service establishments seeking employee benefit solutions.
As winter approaches in Elk Grove Village, families often worry about the rising costs of extended nursing or home care. Gallagher Insurance, Risk Management & Consulting helps local residents plan for these expenses by providing long-term care insurance policies. Their agents guide clients through policy options that protect savings and assets. Coverage can preserve family financial security during a significant health event. A typical initial step involves a complimentary review to assess current health status and outline realistic coverage needs.
Hollinger Insurance Services in Elk Grove Village, Illinois, is known for providing long-term care insurance options to local clients. Its service range includes helping individuals assess their future care needs and comparing available policy structures. The agent explains how these plans can cover home health aides, assisted living, or nursing home stays. A typical consultation reviews current health and financial factors to tailor coverage. This agency can also add a rider for inflation protection to maintain the policy’s purchasing power over time.
What Does a a Long-Term Care Insurance Agent in Elk Grove Village Cost?
In Illinois the cost of long-term care insurance varies by age health and benefit amount. A 55-year-old might pay between 1,500 and 3,000 dollars per year for a policy with a 150 dollar daily benefit and a 3-year term. A 65-year-old could pay 2,500 to 5,000 dollars per year for similar coverage. Costs also depend on inflation protection and elimination period choices. This is general information not insurance advice.
About long-term care insurance agents in Elk Grove Village
Long-term care insurance agents in Elk Grove Village help residents plan for future care needs. Illinois offers the Partnership for Long-Term Care program which provides asset protection for policyholders. An agent can explain how these policies work with local care costs and Illinois Medicaid rules.
Frequently Asked Questions
What does a long-term care insurance agent in Elk Grove Village do?
An agent helps you compare policies from multiple insurers to find coverage that fits your budget and needs. They explain Illinois-specific options like the Partnership program and how inflation protection works. They also guide you through the application and underwriting process.
How does the Illinois Partnership for Long-Term Care program affect my policy?
The Illinois Partnership program allows you to keep assets equal to the benefits your policy pays out. For example if your policy pays 100,000 dollars in benefits you can protect that amount from Medicaid estate recovery. An agent can help you choose a Partnership-qualified policy.
What are the age and health requirements for long-term care insurance in Illinois?
Most insurers require applicants to be between 18 and 84 years old. You must answer health questions and may need a medical record review. Some conditions like recent stroke or dementia can lead to denial. An agent can help you find carriers that accept your health status.
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