Long Term Care / Disability
Protect Your Future with Confidence
Comprehensive Long Term Care and Disability Insurance tailored to support your health, income, and peace of mind.
At Fridrich, Pinson & Associates, we help individuals and families prepare for the unexpected with strategic insurance solutions. Whether you’re facing the rising costs of long term care or want to safeguard your income in the event of a disability, FPA offers guidance and access to trusted carriers. Our team works as your advocate to find the right coverage at the right time — so you can focus on what matters most.
Long Term Care Insurance
As people live longer, the need for long term care planning has become more essential than ever. Long Term Care Insurance (LTCI) helps cover the costs associated with home care, assisted living, or nursing facilities — expenses that can quickly erode savings without proper coverage. Policies vary in benefit amounts, payout structure (cash or reimbursement), and eligibility criteria, which is why choosing the right plan is key.
LTCI isn’t just about care — it’s about protecting your lifestyle and reducing stress on your loved ones. In fact, 77% of employees rank Long Term Care as a top financial concern, and it’s the most requested voluntary benefit among Baby Boomers. Group LTCI policies can often extend to spouses, in-laws, and other family members with minimal underwriting and discounts of up to 15%, making it a smart option for many households.
At FPA, we help tailor LTCI plans that make sense for you and your family, factoring in your health, budget, and future goals. These policies can also benefit employers by minimizing workplace disruptions caused by caregiving responsibilities. Let us help you put a plan in place that brings confidence — not just for you, but for those who depend on you.
Disability Insurance
Disability Insurance is often overlooked — but it’s one of the most important ways to protect your financial future. While health insurance covers medical expenses, disability insurance replaces your income if an injury or illness prevents you from working. If you rely on your paycheck to pay the bills, disability coverage isn’t optional — it’s essential.
Disability policies differ based on the definition of disability, length of benefit payments, and whether coverage is tied to your specific occupation or any occupation. Understanding the differences — especially between “own occupation” and “any occupation” — is crucial when selecting a policy.
Employer-provided disability coverage may not offer enough protection, and payouts are often taxable. Our team will walk you through the complexities of disability insurance, help you evaluate gaps in your current benefits, and guide you toward a solution that secures your income and your peace of mind. Let FPA be your partner in planning for the unexpected.
Did You Know...
- Long Term Care Insurance is the #1 requested voluntary benefit by Baby Boomers
- 77% of employees ranked Long Term Care Insurance as a top financial concern
- Disability policies differ based on the definition of disability, length of benefit payments, and whether coverage is tied to your specific occupation or any occupation.
- LTCI can alleviate impacts on job performance and company expenses by reducing workday interruptions, employee stress, time away from work, resistance to relocate
Contact Information
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Step 1 – Request A Consultation
Step 2 – Connect With Our Team To Discuss Your Specific Needs
Step 3 – Get The Insurance Peace Of Mind You Need