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Looking for a long-term care insurance agent in Spencer? Review the directory below to compare your options.
5 agents listed
Updated May 2026
Spencer, MA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Massachusetts before hiring.
Showing 5 long-term care insurance agents in Spencer, MA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
David F. Kelley Insurance Agency, Inc.
154 Main St, Spencer, MA 01562
(508) 885-3794
davidkelleyins.com
HUB International
369 Main St #9, Spencer, MA 01562
(508) 885-9999
hubinternational.com
McGrath Insurance, a Division of Starkweather and Shepley Insurance
130 W Main St, Spencer, MA 01562
(508) 885-6545
starshep.com
Gregson Insurance Agency Inc
369 Main St, Spencer, MA 01562
(508) 248-3800
A Caring Touch Nursing and Home Care Services
369 Main St #10, Spencer, MA 01562
(844) 433-0600
acaringtouchhomecareservices.com
A long-term care insurance agent in Spencer, Massachusetts can help you plan for future care expenses while protecting your savings. Massachusetts offers a state partnership program that allows policyholders to keep more assets when applying for MassHealth. Local agents understand the specific needs of Worcester County residents and can guide you through policy choices that meet state requirements.
What Does a Long-Term Care Insurance Agent in Spencer Cost?
Long-term care insurance premiums in Massachusetts vary by age, health, and coverage level. For a 55 year old, a typical policy with 3 years of coverage and a 3 percent inflation rider may cost between $1,500 and $3,000 per year. Premiums for older applicants or more comprehensive policies can be higher. Costs also depend on the daily benefit amount and elimination period you choose. 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 Spencer do?
An agent helps you compare policies from different insurers, explains coverage options like home care and nursing facility care, and ensures the policy meets Massachusetts partnership program standards. They also assist with the application process and answer questions about premiums and benefits.
Are there Massachusetts specific rules for long-term care insurance?
Yes, Massachusetts requires insurers to offer inflation protection and nonforfeiture benefits. Policies sold through the state partnership program must meet federal standards and allow you to keep assets equal to the benefits paid out when applying for MassHealth.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Massachusetts.