Long Term Care Insurance & Disability
While we hope that we won’t need long term care, the occurrence of Americans entering long term care due to illness or injury is on the rise. Similar to life insurance and estate planning, long term care can be a crucial element to a comprehensive and thoughtful wealth strategy. Since most health insurance plans do not cover long term care, a separate policy is necessary to secure the right coverage.

There are several different types of long term care insurance, each with their own criteria and premium structure. We can help you choose the right plan for you or a loved one.

Disability coverage, like long term care coverage, is something we hope we’ll never have to use. However, it can be a lifesaver if an illness or injury takes place. At Chinen & Arinaga we work with several companies to find the best policies and coverage for our clients to ensure that when times become tough, they’re covered and can focus on getting better versus financial distress.

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