Long-term care insurance helps protect your savings, your family, and your independence if you ever need extended care. At American Senior Benefits – Medford, we help Oregon residents understand their options and choose coverage that fits real life—not generic policies.
We’re local, licensed advisors who specialize in helping Oregonians prepare for retirement and healthcare costs with clarity and care. Our role is simple: explain your options clearly, answer your questions honestly, and help you make decisions that feel right for you.
Extended care—like in-home help, assisted living, or nursing care—can cost thousands per month in Oregon. Long-term care insurance helps cover those costs so your retirement savings stay intact.
Many policies help pay for care at home, not just in a facility. That means more choices and more control over where and how you receive care.
Planning ahead helps prevent loved ones from having to step in as full-time caregivers or make difficult financial decisions during stressful moments.
Coverage for help with daily activities like bathing, dressing, meal prep, and mobility—allowing you to stay at home longer.
Benefits that help cover monthly assisted living costs when living independently is no longer practical.
Coverage for skilled nursing or long-term residential care when medical needs increase.
Helps your benefits keep pace with rising care costs over time—an important consideration in Oregon.
Policies that combine long-term care benefits with life insurance, so benefits are used one way or another.
More affordable coverage designed to help cover care needs for a limited time, often with easier health qualification.
General inquiries
541-690-0259
Reach us at
zpark@asb.insure
Monday–Friday: 9:00 AM – 5:00 PM
We’ll walk through your questions at your pace—by phone, video, or in person at our Medford office.
We don’t believe in one-size-fits-all planning. We believe in helping you prepare in a way that fits your life, your family, and your budget.
Initial Conversation – We talk about your concerns, family situation, and goals.
Education First – We explain how long-term care works in Oregon and what insurance does (and doesn’t) cover.
Option Review – We compare policies and strategies side by side in plain language.
Decision Support – You choose what feels right—no pressure.
Ongoing Help – We’re here if you need changes, reviews, or help down the road.
Costs vary by location and level of care, but assisted living and nursing care in Oregon can exceed several thousand dollars per month. Planning ahead helps reduce the financial strain later.
Medicare may cover short-term skilled care after a hospital stay, but it does not cover ongoing custodial care like assisted living or extended in-home help.
Many people explore options in their 50s or early 60s, when health qualification is easier and premiums are typically lower. That said, options may still be available later depending on health.
Some people choose hybrid policies that provide either long-term care benefits or a life insurance payout. We’ll help you compare approaches so coverage doesn’t feel wasted.
Yes. Many policies offer shared benefits or discounts for couples, even if you’re not married. We’ll explain how joint planning works.
Long-Term Care Insurance in Oregon doesn’t have to be confusing—or uncomfortable to talk about.
We’re here to help you understand your options and plan with confidence.