Maryland Nursing Home Insurance

We are a Silver Spring, MD full-service insurance agency, offering affordable
long term care insurance policy premiums to individuals and families
located in the following cities and counties: Wheaton, Silver Spring,
Bethesda, Aspen Hill, White Oak, Takoma Park, Randolph Hills, Veirs Mill,
Kensington, Kemp Mill Estates, Rock Creek Forest, Chevy Chase,
Woodmont, Garrett Park, Oakmont, Calverton, Fairland, Springbrook,
Glenmont, Foxhall, Layhill, Colesville, Meadowood, Rockville, Laurel,
Gaithersburg, Good Hope, College Park, Greenbelt, Montpelier, Adelphi,
Langley Park, Berwyn Heights, Knollwood, Beltsville, Maryland City,
Riverdale, Hyattsville, Chillum, Lewisdale, University Park, New Carrollton,
Landover Hills, Bladensburg, Cheverly, Kent Village, Somerset, Chevy
Chase View, Glen Mar Park, Westgate, Brookmont, Luxmanor, Montrose,
Potomac, Glen Hills, Derwood, Washington Grove, North Potomac,
Redland, Olney, Sandy Spring, Norwood Corner, Ashton, Ednor,
Spencerville, Burtonsville, Good Hope, Fulton, Savage, Bowie, Crofton,
Kettering, Forestville, District Heights, Capitol Heights, Columbia,
Annapolis, Germantown, Brinklow, Brookeville, Highland, Simpsonville,
Brighton, Clarksville, Laytonsville, Damascus, Dayton, Unity, Glenelg,
West Friendship, Seneca, Dawsonville, Poolesville, Towson, Baltimore,
Montgomery County, District of Columbia, Prince Georges County, Howard
County, Anne Arundel County, and Baltimore County, MD. We also offer
long term care insurance services throughout the state of Maryland and
northern Virginia, including Arlington, Alexandria, McLean, Falls Church,
Annandale, Reston, Fairfax, Vienna, Herndon, Sterling, Leesburg, and
Manassas, VA.

Brown Insurance Group, Inc.

There are six primary factors influencing the
premium for long term care insurance policies:

Type of Policy: Facility, Home Health Care, or
Comprehensive

Age: The most important element in determining the
premium. Naturally the earlier you start paying for long
term care insurance the better.

Daily Benefit: The maximum amount a policy will
pay for one day of care. This can vary from $50 per
day to over $400 per day. You will decide whether to
purchase sufficient insurance to cover all of these
costs or only most of them.

Elimination Period: Amount of time that you agree to pay out of
your own pocket before the plan (policy) begins to pay. This period
normally varies from 0 to 100 days. The 100-day elimination period
will produce the smallest premium cost to you.

Long Term Care Insurance (Nursing Care)

There are three levels of nursing care that are covered by a long
term care insurance policy:

Custodial care: Care necessary due to a permanent or chronic
illness or injury, which is less intensive, but which may continue
indefinitely. This nursing care helps a person perform activities of
daily living or supervises a person if cognitive impairment exists.
Many custodial care situations start with a mild degree of illness
which is followed by slow deterioration. Alzheimer's disease is
one example where custodial care is usually needed. Other
types of insurance policies do not offer custodial care benefits.
The value of long term care insurance for you or a family
member and protecting a lifetime of created assets is never
more evident than in custodial care nursing services.

Skilled care: Short term nursing care needed after an illness or
serious injury. Consists of rehabilitative and intensive 24 hours per
day care.

Intermediate care: Rehabilitative care by a nurse for up to six
months and when less than 24-hours per day supervision is
needed.

Skilled care: Short term nursing care needed after an illness or
serious injury. Consists of rehabilitative and intensive 24 hours per
day care.

A long term care insurance specialist with Brown Insurance Group
will assist you in deciding which type of policy will work best for your
needs.

Click on the link below to fill out a quote request form for a Maryland
Long Term Care Insurance policy that will provide excellent long term
care insurance coverage at an affordable cost. Or you can speak with
our Long Term Care Insurance agent specialist at 301-933-5500 to
discuss the features.

More Information on Maryland Long Term Care Insurance

**The information, pictures, and other content in this website about
particular insurance or financial services is only provided for informational
purposes. Any decisions regarding these services should be discussed with
a licensed insurance agent or financial services representative.

Brown Insurance Group

12118 Heritage Park Circle

Silver Spring, Maryland 20906

Montgomery County, MD

(301) 933-5500

Fax: (301) 933-6955

Answer a few questions and
we will provide you with an
insurance quote by phone or
email. Choose the Maryland
personal or business insurance
coverage you're interested in
from the menu above.

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Maryland Long Term Care Insurance Information

(also northern Virginia & District of Columbia)

Benefit Limit: The number of years that a plan will
pay a benefit from the time you get sick. Benefit limits
generally vary from one year to lifetime coverage. The
longer the benefit limit, the greater the protection but
the higher the cost.

Inflation Protection: Sometimes called an "inflation
rider", this provides you with a way for your daily
benefits to increase over time. Otherwise, the policy
may not be sufficient to protect you many years from
now. Long term care insurance policies normally
contain riders offering automatic daily benefit increases
of 5 percent each year, either at "simple" or
"compounded" rates.

BROWN INSURANCE GROUP

DELIVERING EXCELLENCE WITH A DIFFERENCE