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Disability and Long Term Care

Long-Term Care is defined as "medically necessary assistance, recommended by a physician for the treatment of a chronic illness or debilitating injury on a long term basis. Recovery is usually not expected. Care is oriented toward helping a person function, not toward a cure."

Long-term care is typically not covered by your health plan, disability coverage or Medicare. Medicaid does cover long-term care, but only after you have used up your assets paying for care.

It can be difficult planning for these possibilities but our team has the background and products to make this discussion and positive and important one to ensure your future is properly managed.

  • Nicholas/Tobin Associates is a proud recipient of the "Elite Cornerstone Agent" award from Chubb Insurance.
  • Expertise, value and superior service equals quality you can count on.


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If you are looking for Homeowners Insurance, Auto Insurance or Business Insurance,
there is no better time to get started. Call Nicholas / Tobin Insurance today.

As an independent insurance agency we search the top insurance carriers in the
country to find you coverage and service you can depend on at rates that fit your budget.

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