Patty Pansing Brooks for Congress Nebraska “Coverage Options for Nebraska Long Term Care Insurance”

“Coverage Options for Nebraska Long Term Care Insurance”

July 23, 2024| maia17| 0 Comment| 7:21 AM

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Nebraska

Types of Policies for Nebraska Long Term Care Insurance

Nebraska is known for its wide open spaces, friendly people and affordable cost of living. However, like any other state, it also has a rapidly aging population. As the elderly population grows, so does the need for long term care. Long term care, also known as LTC, is the assistance provided to individuals who are unable to perform the basic activities of daily living such as bathing, dressing, and eating, on their own. This type of care can be provided in various settings such as in-home care, assisted living facilities, or nursing homes.

Given the high costs associated with long term care, it is important for Nebraskan residents to consider purchasing long term care insurance. LTC insurance is designed to help individuals cover the expenses associated with long term care services. However, there are various types of policies available in Nebraska. In this article, we will discuss the different types of policies for Nebraska long term care insurance.

Traditional Long Term Care Insurance

Traditional long term care insurance is the most common type of policy available in Nebraska. This type of policy provides coverage for a wide range of long term care services such as in-home care, assisted living, and nursing home care. With traditional LTC insurance, the policyholder pays a premium to the insurance company, and in return, the insurance company agrees to cover the costs associated with long term care services, up to a certain limit.

One of the key benefits of traditional long term care insurance is that the policyholder has the flexibility to choose the type of care they receive and where they receive it. However, this type of policy can be expensive and the premiums can increase over time.

Hybrid Long Term Care Insurance

Hybrid long term care insurance, also known as combination long term care insurance, is a hybrid between traditional long term care insurance and life insurance. This type of policy combines the benefits of both policies into one. With a hybrid policy, the policyholder pays a premium, and in return, they receive both long term care coverage as well as a death benefit.

The premiums for hybrid policies are typically higher than traditional LTC insurance, but they do offer the advantage of providing a death benefit to the policyholder’s beneficiaries if long term care services are not needed. This type of policy can be a good option for individuals who are concerned about paying for long term care services but also want to leave a financial legacy for their loved ones.

Short Term Care Insurance

Short term care insurance is a type of policy that provides coverage for a limited period of time, typically less than one year. This type of policy is designed to cover short term care needs, such as rehabilitation services after an injury or illness. Short term care insurance may also cover the costs of respite care, which is temporary care provided to an individual while their usual caregiver takes a break.

The premiums for short term care insurance are typically lower than traditional or hybrid policies, but the coverage is limited. This type of policy can be a good option for individuals who have a short term need for care or for those who cannot afford the premiums associated with a traditional LTC insurance policy.

Long Term Care Annuities

Long term care annuities are an alternative to traditional long term care insurance policies. With this type of policy, the policyholder pays a single lump-sum premium and, in return, receives a stream of income that can be used to cover long term care expenses. Unlike traditional LTC insurance, if long term care services are not needed, the policyholder can still receive the income from the annuity.

One of the benefits of long term care annuities is that they offer more flexibility and control compared to traditional LTC insurance. However, the premiums can be high, and there is no guarantee that the income from the annuity will be enough to cover the costs of long term care in the future.

Which Policy is Right for You?

Choosing the right long term care insurance policy in Nebraska can be challenging. Each type of policy has its own advantages and disadvantages. It is essential to carefully consider your current and future needs, as well as your budget, when deciding which type of policy is best for you.

It is also recommended that you speak with a financial advisor or an insurance agent who specializes in long term care insurance. They can provide you with personalized recommendations and help you compare policies from different insurance companies.

In conclusion, having a long term care insurance policy is important for Nebraskan residents to ensure they have the financial means to cover the costs of long term care services. With the different types of policies available, it is crucial to carefully evaluate your options and choose the one that best fits your needs and budget.

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Patty Pansing Brooks is a state senator, attorney, small business owner, and lifelong community organizer.

Patty has a proven track record of values-led policymaking and coalition-building to make positive change for all. She was the Co-Chair of the $6 million Union Plaza Fundraising Campaign to create Lincoln’s first urban park. Patty also served as Co-Chair of the $9.6 million Centennial Mall renovation, which helped make the 7 blocks between our Capitol and our State University a beautiful, historic celebration of Nebraska for all visitors. Finally, she was the Co-Chair of the $250 million Lincoln Public Schools bond issue in 2007 with former Senator and friend, Kathy Campbell. That bond issue improved every school in every zip code in Lincoln.”

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In her two terms as a state senator representing Nebraska’s 28th District, Patty has fought hard and achieved victories for our most vulnerable neighbors, particularly children. One focus of her legislative career has been youth justice reform: Patty introduced and passed bills that have expanded children’s rights to legal representation in the justice system, established automatic sealing of children’s court records when they have completed their sentences, and reoriented the purpose of school peacekeeping officers away from bringing more children into the justice system, and toward keeping kids in school.

“Helping people is what it means to be a Nebraskan. More than politics or party, love fuels the fight for real change. When we love our families and our communities — and when someone is in need — we must step in, speak up, and make change happen.”

Additional legislative victories have included protecting victims of human trafficking and enacting stricter punishments on people who benefit from trafficking; creating and leading the Whiteclay Public Health Emergency Task Force that ultimately allowed the Oglala Sioux to reclaim sovereignty over their public health; legally protecting workers to discuss their wages without employer retaliation; codifying the Nebraska Department of Education’s definition of dyslexia as a learning disability, requiring schools to offer evidence-based reading support; and establishing Nebraska’s first officially recognized Indigenous People’s Day.

Patty was born and raised in Lincoln, Nebraska, where her family has lived for four generations. Two of her three children constitute the fifth generation in Lincoln. She is a proud product of Southeast High School, graduated from Colorado College with a B.A. in Political Science, and received her law degree at the University of Nebraska College of Law.

She lives with her husband Loel in Lincoln, where they work together as law partners. They are longtime members of First-Plymouth Congregational Church, where they were married (as were Patty’s parents Lu and Tom). Patty and Loel have three children, Taylor, Graham, and Avary, who have grown into bright, kind, and civic-minded young adults who fill their parents’ hearts with blessings and joy every day!

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