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610-948-4830     info@ronblackagency.com

Long-Term Care

The medical, social, and personal care services needed
by people who have lost their capacity to care for themselves
due to a chronic illness or condition.

Updated Office Hours!

The past several weeks have certainly tested us all. As we continue to monitor ongoing developments related to the coronavirus (COVID-19), please know that nothing will compromise our commitment to take care of our employees as well as our clients and the things you trust us to insure.
 

Our Agency has been in business since 1922 and we remain committed to being in business well past our current normal provides us all with a future normal. As an "essential business" under Governor Wolf's ruling, we have strategically staggered the times that we go into the office to check the mail and anything else that is needed. The lobby is currently closed but we are certainly available to communicate by phone, email and/or video chat if you like. Just reach out to either of us and we'll make arrangements that best suit your needs.


Please be assured that you always have the ability to access all of your policy information via the carriers that we have you insured with at any time by simply logging on at the carriers site or their mobile app.  Each app is a free download from your own app store if you don't have it already.  In both you have full access to your policy information including ID cards and billing.  Any bills can be paid in either the sites or their respective apps or by calling us or the carrier directly.  We realize that this may be an inconvenience for some and hope this is a short-lived response to our current healthcare situation as we do enjoy when all clients and partners come into the office.  Thank you for your consideration and please stay healthy! 

Long-Term Care Insurance

Long-Term care addresses the need for a dependent person to receive the necessary assistance to live in a comfortable and dignified manner.  Family members may not be readily available or have the necessary skills needed to provide health related care.  A pre-planned source of funding for this assistance is one method used to address any shortcomings that families may have.  Long-term care and/or another combination or an annuity or life insurance with a long-term care rider may be this source.   

Types of care

Long-term care policies typically include health care as well as supportive services for tasks of "everyday living" such as housekeeping, household chores, and transportation.  Recipients of care may live in a nursing facility, assisted living or even at home.  Also, family caregivers often reach out for professional care services such as adult daycare and caregiver respite programs for temporary relief.  A long-term care policy will take care of all these services without relying on the families weekly earned income. 

Who buys it and why:

  • Preserve independence
  • Guarantee choice of care and cargivers
  • Stay at home as long as possible
  • PROTECT assets and standard of living
  • Avoid being a burden on family and friends
  • Leave more assets to family members, Church, school or other worthy causes
  • Peace of mind

Our Communities

Since 1922, we have proudly insured and protected the families and business's of Royersford, Limerick, Spring City, Phoenixville, Collegeville, Schwenksville, Pottstown, Skippack, Harleysville, Souderton, Lansdale, North Wales, Chalfont, New Britain, Norristown, King of Prussia, Blue Bell and our surrounding communities.