Serving Harrisburg & Central PA

Long-Term Care Insurance

Protect your hard-earned retirement savings and avoid burdening your family.

Our licensed insurance Agents can help you shop for long-term care insurance from the comfort of your home. We can speak over the phone and handle all paperwork electronically or by mail.

Start with a free phone consultation, get personalized recommendations from our Long-Term Care insurance specialist, and then apply for coverage when you’re ready.

Contact us or call 717.561.0547 to get started.

Call 717-561-0547 for a personalized quote.

Why Do People Get Long-Term Care Insurance?

Most of our clients purchase long-term care insurance for two reasons:

  1. Protect their savings: Long-term care costs can quickly eat away at your nest egg, and leave you and your family reliant on government programs.
  2. Give themselves more choices for care: If you have to rely on Medicare or Medicaid for care, your options will be limited, and possibly undesirable.

Fortunately, most policies will reimburse you for care given in a variety of places, such as:

  • Your home
  • Assisted living facility
  • Nursing home
  • Adult day care center

Contact us or call 717.561.0547 to speak with a licensed insurance Agent who can answer your questions about long-term care insurance coverage.

Liability
Life Insurance

Is Long-Term Care Insurance a Good Fit For You?

Long-term care insurance covers aspects of care that health insurance, Medicare, and Medicaid don’t cover, such as assistance with daily activities (dressing, bathing, eating, walking, etc.)

  • Are you over 40 years old?
  • Do you expect to have more than $250,000 saved by retirement?
  • Are you concerned about how you’ll pay for your long-term care?

If you answered “Yes” to these questions, then you are likely a good candidate for long-term care insurance. The sooner you purchase a policy, the more affordable it will be.

Coverage With a Local Mindset

At Harner Insurance, we understand that finding the best policy for your personal situation is your number one priority. Our dedicated Agents provide access to quality coverage, while maintaining individual attention and care one might expect from a small business.

With us, you’re not a number.

When you call, we’ll know you by name and you will speak with an agent or advisor you know and trust. This approach means our clients get a personalized experience and access to top-tier insurance policies with competitive rates.

Schedule a Consultation or Ask a Question

If you are in the Harrisburg or Central PA area and are considering long-term care insurance for yourself or an aging loved one, please contact us today.

If you have general questions or you would like a personalized quote, call our Harrisburg office at 717-561-0547 or contact us to request more information.

Already Have Insurance With Another Provider?

Request an insurance consultation to review how you can:

Be sure you’re protecting what’s most valuable to you and that you’re not overpaying for insurance.

Schedule a No-obligation Insurance Review