Patty Pansing Brooks for Congress Nebraska “Insuring Your Future: Key Features of Nebraska’s Long Term Care Policy”

“Insuring Your Future: Key Features of Nebraska’s Long Term Care Policy”

May 22, 2025| maia17| 0 Comment| 7:21 AM

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Nebraska

3 Common Policy Features of Nebraska Long Term Care Insurance

Long-term care insurance is an important financial product that helps individuals and families prepare for the high costs of long-term care services. In a state like Nebraska, where the cost of long-term care is on the rise, having a long-term care insurance policy can provide peace of mind and financial stability. In this article, we will be discussing the three common policy features of Nebraska long-term care insurance.

1. Comprehensive Coverage for Long-Term Care Services

One of the main features of a Nebraska long-term care insurance policy is its comprehensive coverage for long-term care services. This means that the policy will cover a wide range of long-term care services, including home care, assisted living, nursing home care, and adult day care. This coverage is essential as it allows individuals to receive care in the setting of their choice.

It is important to note that Nebraska long-term care insurance policies have a daily or monthly benefit amount that can be used to cover the cost of long-term care services. The benefit amount is determined at the time the policy is purchased and can range from $100 to $400 per day, depending on the individual’s needs and budget.

With comprehensive coverage, individuals can also customize their policies to include additional benefits such as respite care, hospice care, and home modification expenses. This allows them to have a more tailored and comprehensive long-term care insurance policy that meets their specific needs.

2. Inflation Protection

Another crucial feature of Nebraska long-term care insurance policies is inflation protection. This feature ensures that the value of the policy keeps up with the rising costs of long-term care services. Without inflation protection, a policy that was purchased years ago may not have enough coverage to meet the current costs of care.

There are two types of inflation protection available for long-term care insurance policies in Nebraska: automatic and optional. Automatic inflation protection is built into the policy and increases the benefit amount by a certain percentage annually. This ensures that the policy keeps pace with the increasing cost of long-term care services.

Optional inflation protection, on the other hand, allows individuals to choose when and how much the benefit amount will increase. This gives individuals more control over their policy and the ability to adjust the benefit amount as needed. However, this type of inflation protection typically comes at an additional cost.

3. Premium Payment Options

Nebraska long-term care insurance policies also offer flexible premium payment options, allowing individuals to choose a payment plan that best fits their budget and financial situation. The three common payment options are:

Single premium payment: This option allows individuals to pay for their policy in one lump sum.
Limited premium payment: With this option, individuals can choose to pay their premiums for a specific number of years, usually 5 or 10 years.
Lifetime premium payment: This option requires individuals to pay premiums for the entire duration of the policy.

Choosing the right payment option will depend on an individual’s financial situation and preferences. For example, those who have enough funds to pay for a single premium may opt for this option to avoid future premium payments. On the other hand, limited premium payment and lifetime premium payment options can help individuals spread out the cost of their policy over time.

Conclusion

In conclusion, long-term care insurance policies in Nebraska offer comprehensive coverage for a wide range of long-term care services, with the option to customize the policy to include additional benefits. Inflation protection and flexible premium payment options are also common features that give individuals more control over their policies and ensure the value of the policy keeps up with the rising costs of long-term care services. It is essential for individuals to carefully review and understand these policy features to make informed decisions when purchasing a long-term care insurance policy in Nebraska.

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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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