Multiple Company Options
Protection against price increases
Local service -
No call center
Long-Term Care Insurance
Most people will need some help with daily activities as they age, and the cost of home care, assisted living or a nursing home can drain a lifetime of savings quickly. Health insurance and Medicare generally don't pay for ongoing custodial care. Long-term care insurance helps protect your savings, your independence and your family.
Nothum Insurance helps individuals and couples across Eastern Missouri compare long-term care options and plan ahead while coverage is still affordable.
What Long-Term Care Insurance Covers
• Home health care and help with daily activities in your own home
• Adult day care
• Assisted living facilities
• Nursing home care
• Care coordination services
• Respite care to give family caregivers a break
Types of Long-Term Care Coverage
• Traditional long-term care insurance: a dedicated policy that pays a daily or monthly benefit for covered care
• Hybrid life and long-term care policies: life insurance with a long-term care benefit, so the money goes to your heirs if you never need care
• Life insurance with chronic illness or long-term care riders
We'll explain benefit amounts, waiting periods, benefit periods and inflation protection so you can compare plans side by side.
When Should You Buy Long-Term Care Insurance?
Premiums are based largely on your age and health when you apply, and coverage can become harder to qualify for as health changes. Many people start looking in their 50s or early 60s. It's especially worth considering if you have savings to protect, want to avoid becoming a burden on family, or want more choice in where you receive care.
Serving Washington, MO & Surrounding Communities
Nothum Insurance proudly serves individuals and families throughout:
• Washington, MO
• New Haven, MO
• Union, MO
• St. Clair, MO
• Pacific, MO
• Hermann, MO
• Warrenton, MO
• Sullivan, MO
• Franklin County, Warren County and Gasconade County
• And communities throughout Eastern Missouri
Schedule a free long-term care planning conversation. There's no obligation.
Contact Nothum Insurance
565 Harold Meyer Drive, New Haven, MO 63068
Phone: (636) 283-2012
Email: spencer@nothuminsurance.com
Hours: Monday to Thursday 8am to 5pm, Friday 8am to 4pm, Saturday by appointment
Missouri Agency License #3004329020