Skip to ContentSkip to Footer

A Special Notice to Washington Residents, or those from Oregon or Idaho who work in Washington

In-Home Care


For most of us*, “aging in place” in the home, whether at the end of life or due to an illness or physical or cognitive issue requiring extended care, is the preferred option.
That was the desire of my parents and with proper planning it can be an achievable goal with satisfactory results. The key issue is that you need to set up a plan, well in advance. Discuss your goals with your spouse, if you have one, as well as family members, particularly adult children, or trusted friend(s).

The reason planning for in-home care in advance, in your 50’s or before, is that there are a number of things to consider. First, there are no guarantees that you will be able to health qualify for a plan (particularly a Traditional LTCI plan). It is important to qualify for a plan before your health is compromised and makes you uninsurable or dramatically decreases your options.
Other considerations: Will my current home be compatible for in-home care. Does it have an open space floor plan with a main floor living arrangement? Another consideration is: Do I have the money set aside, or do I have an insurance plan or service plan in place, to pay of care support needs in my home?

Traditional long term care insurance, or what is referred to as a Tax-Qualified Long Term Care Insurance plan, will cover care needs for Home Care, including both Custodial Care for mobility issues and Semi-Skilled nursing care for cognitive issues and other health related issues. Traditional tax qualified LTCI plans also cover Assisted Living, Nursing Care and Adult Day Care, if required, up to the monthly maximum of the policy.

If you cannot health or age qualify for a traditional plan or simply want more of a supplementary plan for home care, you may want to explore short term home health care insurance, homecare hours of care membership plans or critical care insurance.

* Statistically about 70% of us who have a long-term care insurance policy start out with home care and of those, only 12% need to advance on to facility care. Source: Genworth Financial

Contact Joel

Secure Quote Request

* indicates required fields

This field is for validation purposes and should be left unchanged.

Customer Reviews

We found him to be very knowledgeable, personable, and exceptionally responsive.
Kim T,
Spokane, WA

Customer Reviews

I wouldn’t call you a salesman, I would call you a guide.
Don B,
Petersburg, AK

Customer Reviews

Thank you again Joel for all your help.
Becky F,
Powell, WY

Customer Reviews

It has been a pleasure to work with Joel.
Carolyn J,
Spokane, WA

Customer Reviews

Joel was so helpful-he even arranged a conference call with my carrier…
Meg M,
Spokane, WA

Customer Reviews

We recommended Joel to our class and to our friends.
Jim D,
Post Falls, ID
We Want Your Opinion!
Write a Review
Filing a ClaimTake advantage of the insurance carriers’ 24/7 Claim Support Service to report a claim directly to the insurance company or contact Agency Insurance. Learn More >

Pay OnlinePay your premiums by EFT (Electronic Funds Transfer), e-check or by credit card.
Learn More >

Shaking handsSubmit a form to request a change to your current insurance policy.
Learn More >

Below is a link to the state of Washington government website that oversees the state mandated long-term care insurance program known as the Cares Fund. The website provides up-to-date, real time information about how the program is being administered, recommended improvements to the plan from a special oversight taskforce, and the ability to participate in Zoom meetings relating to the Cares Fund and the opportunity to provide comments and suggestions to state legislators and administrators of the program.