Medicare and Part D Drug Supplements

McClintock Insurance is a Medicare-approved private insurer. Medicare Part D is a Medicare prescription drug benefit backed by the federal government. The United States government subsidizes the costs of Medicare benefits, prescription drugs, and prescription drug insurance premiums for Medicare beneficiaries.

Commercial Casualty Insurance is provided as an umbrella coverage with an elastic term. This business insurance can protect both the business and the business owner from negligent acts and omissions. This type of insurance may include the following coverages:

Contact your McClintock Insurance agent today to establish
your government-subsidized medical care.

Long-Term Care Insurance

You’ve been saving for a lifetime to enjoy your retirement years. But what if you need long-term care instead of money for worldwide travel? Even more than an insurance policy, Long-Term Care Insurance helps to ensure that your entire retirement savings doesn’t go down the drain. If you should develop a terminal illness or need to be housed in a healthcare facility, you’ll want to have those costs covered so that you can leave more of your savings to your heirs.

Long-Term Care Insurance helps provide for the cost of long-term health care that is generally not covered by traditional health insurance, Medicare or Medicaid. This type of insurance policy covers long-term services and supports, such as personal and custodial care in your home, a community organization or other facility.

The cost, or monthly premium, of your Long-Term Care Insurance policy is based on several factors:

• •  Your age at policy opening
• •  Maximum daily payout
• •  Maximum number of payout days
• •  Lifetime maximum payout
• •  Optional benefits

Contact your McClintock Insurance insurance agent to verify
your eligibility for Long-Term Care Insurance coverage.

Critical Care Insurance Supplements

A single critical illnesses can cause financial devastation to your family. Millions of individuals and families (even those with health insurance) have found themselves caught without this very essential coverage. Critical Care Insurance provides a lump-sum, tax-free payment should you suffer from certain specific critical conditions:

• •  Cancer
• •  Heart attack
• •  Stroke
• •  Heart transplant
• •  Coronary bypass surgery
• •  Angioplasty
• •  Kidney (Renal) failure
• •  Major organ transplant
• •  Paralysis

So how much Critical Care Insurance coverage should you get?

Your McClintock Insurance insurance agent can help decide
how much Critical Care Insurance you’ll need.

Individual Disability Insurance

A disability can occur at any age—young or old. You could wake up one morning, and suddenly your life has changed. And since disabilities typically occur without warning, you’ll want to protect one of your most valuable resources — your income — with Individual Disability Insurance. If you're suddenly unable to work due to an illness or an injury, disability insurance can help you pay your bills and continue your standard of living.

Group Disability

If an employee becomes too sick or injured to work—whether or not the illness or injury occurs on the job site—you’ll want to help protect your employees from loss of income. Group Disability Insurance will provide some income for your employees while they are unable to work due to pregnancy, an illness (physical or mental) or an injury. We can structure a Group Disability Insurance program where you pay all, a portion or none of your employees’ premiums.

Contact your McClintock Insurance agent today so we can help you plan
for any potential disability.