The top-rated long-term care insurance agent in Lorain, Ohio is Neil Elkins - State Farm Insurance Agent, rated 5.0 stars across 362 reviews. Other highly rated options include Nick Perrico, Sr. - State Farm Insurance Agent, Charles Chapman - State Farm Insurance Agent, Robert Taylor Insurance (Lorain Office). This directory lists 18 long-term care insurance agents serving Lorain.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Neil Elkins - State Farm Insurance Agent | 1812 Cooper Foster Park Rd | (440) 282-2001 |
| 2 | Nick Perrico, Sr. - State Farm Insurance Agent | 6401 S Broadway | (440) 233-8501 |
| 3 | Charles Chapman - State Farm Insurance Agent | 4340 N Leavitt Rd F | (440) 985-1405 |
| 4 | Robert Taylor Insurance (Lorain Office) | 2063 N Ridge Rd | (440) 277-5191 |
| 5 | Chris Arnott Agency Inc. | 4789 N Leavitt Rd Suite D | (440) 723-2991 |
| 6 | Lighthouse Insurance Agency | 4789 N Leavitt Rd Suite D | (440) 984-3463 |
| 7 | Janasko Insurance | 562 Broadway | (440) 245-6268 |
| 8 | The Liberty Company Insurance Brokers (Formerly Nationwide Insurance: Sam J Saraniti Clu) | 520 Broadway | (440) 776-8900 |
| 9 | Campana Insurance | 6145 Park Square Dr #5 | (440) 984-2531 |
| 10 | Masters Insurance Agency | 210 W 7th St | (440) 244-2253 |
Neil Elkins - State Farm Insurance Agent serves the Lorain, Ohio area and provides long-term care insurance services. This agency helps individuals plan for future needs that may require assistance with daily living activities. Long-term care insurance can cover costs associated with nursing homes, assisted living facilities, or in-home care services. The company focuses on helping clients protect their savings and retirement income from the high expense of extended care. This agency specifically handles policies for in-home care coordination and skilled nursing facility coverage.
Nick Perrico, Sr. - State Farm Insurance Agent in Lorain, OH provides long-term care insurance policies that help cover costs associated with assisted living, nursing homes, and home health care services. The agency offers regular policy reviews and can assist clients with updating coverage as their needs change over time. Its office serves individuals and families seeking financial protection for extended medical care needs. The agency typically works with clients living in single-family homes, apartments, retail spaces, and restaurants across the surrounding area.
Charles Chapman - State Farm Insurance Agent serves Lorain, Ohio, and the surrounding communities of Amherst, Vermilion, Sheffield Lake, and Avon Lake. This agency handles long-term care insurance policies that help protect personal assets and cover costs for home health aides, assisted living, or nursing home care. For each client, it begins by assessing their financial situation and health goals to recommend a suitable coverage amount and policy structure.
Individuals preparing for future healthcare needs, such as older adults and those with family health histories, are the primary clients served by Robert Taylor Insurance at its Lorain Office. The agency provides expert guidance on long-term care insurance policies, helping clients protect assets and secure coverage for services like home health aides or assisted living facilities. This local office can assist with plan comparisons and policy details for residents throughout the Lorain area and also serves clients in surrounding communities within Elyria.
For a long-term care insurance policy, a single initial review of coverage must often be distinguished from ongoing service options that manage claims as health needs change. Chris Arnott Agency Inc., located in Lorain, OH, helps clients navigate these differences by reviewing policy benefits and potential long-term care scenarios. The agency assists individuals in understanding how various coverage plans address future expenses. Services here are generally provided on an as-needed or sporadic basis, typically triggered by a specific request or policy renewal rather than a fixed recurring schedule.
Lighthouse Insurance Agency provides specialized guidance on long-term care insurance options, helping clients secure coverage for future personal and medical support needs. Based in Lorain, OH, the agency serves individuals and families throughout the region by explaining policy features, costs, and benefit structures to simplify complex insurance decisions. Each plan is tailored to address potential assistance with daily activities or extended home health requirements. Many people contact the agency during open enrollment periods or after a recent health event to adjust or acquire new coverage.
As Lorain’s population ages, more families seek financial security against the rising costs of extended care. Janasko Insurance addresses this local need by guiding residents through the process of securing long-term care coverage. The company serves as a dedicated agent, helping clients assess potential future health risks and policies that protect savings from care expenses. Their work involves analyzing each individual’s financial situation and health history before presenting suitable plan options. A first step typically includes an in-home consultation to evaluate personal care needs and budget limitations.
The Liberty Company Insurance Brokers in Lorain, OH works with clients to develop financial protection strategies through long-term care insurance. These policies help cover the costs of custodial care not included in standard health coverage. The agency specializes in preparing for the potential need for assisted living or home health services in the future. Client options can be tailored for various commercial sectors, including offices, warehouses, and food service facilities.
Campana Insurance, based in Lorain, OH, is known for helping clients plan for future care needs through long-term care insurance policies. It assists individuals in protecting assets and maintaining financial security while covering home health aides, assisted living, or nursing home costs. The agency evaluates personal health and budget factors to recommend appropriate coverage options. A specialty service it offers is guidance on hybrid life insurance and long-term care combination policies.
Masters Insurance Agency in Lorain, OH provides residential long-term care insurance services for individuals planning for future care needs. Commercial coverage is also available for local businesses seeking employee benefit options. The agency serves clients throughout Lorain County and nearby communities. Agents assist with policy selection to help protect savings and maintain financial stability during aging. Follow-up consultation between regular visits ensures policies remain appropriate as health and personal circumstances evolve over time.
What Does a a Long-Term Care Insurance Agent in Lorain Cost?
Long-term care insurance premiums in Ohio vary widely by age, health, and coverage level. A typical policy for a 55-year-old in Lorain might cost between 100 and 300 dollars per month. Costs increase with age and for policies with inflation protection. This is general information, not insurance advice.
About long-term care insurance agents in Lorain
Long-term care insurance agents in Lorain, Ohio help residents plan for future care needs. They explain policy features, costs, and how Ohio Partnership plans can protect assets. Local agents understand the specific regulations and tax incentives available under Ohio law.
Frequently Asked Questions
What does a long-term care insurance agent in Lorain do?
An agent helps you compare policies from different carriers. They explain coverage for home care, assisted living, and nursing facilities. They also guide you on Ohio Partnership policies that allow asset protection.
Does Ohio have special rules for long-term care insurance?
Yes, Ohio requires a 30-day free look period for new policies. Ohio also offers a tax deduction for qualified long-term care premiums. Agents must be licensed by the Ohio Department of Insurance.
How do I choose a long-term care insurance agent in Lorain?
Look for an agent with experience in Ohio long-term care products. Ask if they are familiar with the Ohio Partnership for Long-Term Care. Verify their license on the Ohio Department of Insurance website.
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