Long-Term Care Insurance

Long-Term Care Insurance in Jackson, MN – Protect Your Future Care Needs

Why Plan for Long-Term Care?

In Minnesota, the cost of long-term care—whether it’s in a nursing home, assisted living facility, or at home—can be overwhelming. And contrary to popular belief, Medicare doesn’t cover most long-term care services.



Long-term care insurance can help you protect your assets, independence, and family from future care expenses. Klassen Insurance helps Jackson residents prepare early, so they’re not caught off guard later.

Long-Term Care Insurance Options

Traditional long-term care policies provide a daily or monthly benefit when you need help with activities like bathing, dressing, or memory care. But today, many clients are also considering hybrid policies—such as life insurance with a long-term care rider, or annuities with care benefits.



We’ll explain the pros and cons and compare quotes across top carriers to find coverage that fits your needs and budget.

Minnesota Partnership Plans

Minnesota offers special LTC Partnership Plans that allow policyholders to protect more of their assets if they ever need to apply for Medicaid. This state-supported program rewards early planning by providing extra peace of mind.



Klassen Insurance can explain how Partnership-eligible plans work and help determine if one is right for your goals.

When and How to Apply

The best time to buy long-term care insurance is in your 50s or early 60s—when premiums are lower and your health can help with underwriting approval. Whether you're looking to protect retirement savings or planning ahead for aging parents, we can walk you through benefit options, waiting periods, and local care costs in Jackson and surrounding areas.

Make an informed decision today that benefits your loved ones tomorrow. Klassen Insurance is here to help you understand your options for long-term care protection.

Phone:

(507) 847-5300


Office Hours:

Monday–Thursday: 8am–5pm | Friday: 8am–3pm

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Secure Your Family’s Future