resources contact news BrokerCheck ABOUT US FAMILIES / INDIVIDUALS EMPLOYERS / HR INSURANCE BROKERS CLIENTS / EMPLOYEES An experienced guide to help you fund care down the road. A common first experience with long-term care (LTC) begins when an adult helps an aging parent navigate the costs with rehabilitation after an illness or accident. It is then that the myriad of questions about what is covered by Medicare, Medigap, and basic health insurance begin to kick in. The frightening realization of how crippling monthly health care bills can be when basic coverage ends is what motivates most people to consider long-term care for themselves. Our team is committed to holding your hand through this process — whether you are helping a parent, or if you are beginning to plan for “what if’s” yourself. There are several options in layering and supplementing policies, depending on your situation, that we can consider to take a cost-conscious approach with what is often considered a tough monthly expense to fund. Click through our approach below to see how we can help you get started today. Fact Finding Research Implementation Annual Review Fact Finding We will begin by getting to know you, asking a few preliminary health questions, and understanding all of the family and advisors involved in your health and welfare. The importance of long-term care. It is estimated that almost 70% of people over the age of 65 will require Long-Term Care at some point in their lives. The State of Connecticut has partnered with private insurance in an effort to help you achieve your long term care needs. GET A QUOTE YOUR LONG-TERM CARE SPECIALISTS Robert W. Hensley, LUTCF Member & Financial Advisor CONNECT Robert S. Hensley, CLU, AIF® Managing Member & Financial Advisor CONNECT SET UP A MEETING TO TALK As you get older, you can feel better knowing there are steps you can take to ensure that your wishes (both medical and financial), are carried out the way that you want them. Having your decisions squared away and clear, so that there are no misunderstandings or second-guessing, can be the greatest gift you can give to your loved ones, and yourself. CONTACT US families/individuals employers/hr agents/brokers clients/employees about us contact us news resource center privacy policy business continuity disclosures order routing BrokerCheck © 2018-2020 Robert Hensley & Associates, 10 Avon Meadow Lane, Suite 1, Avon, CT 06001-3737 Robert S. Hensley is an Investment Advisor Representative and Registered Representative offering advisory services and securities through Cetera Advisor Networks LLC, member FINRA/SIPC a broker/dealer and Registered Investment Advisor. Cetera is under separate ownership from any other named entity. This site is published for residents of the United States only. Registered Representatives of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information please contact the representative(s) listed on the site, visit the Cetera Advisor Networks LLC site at ceteraadvisornetworks.com. Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services. Please Note: Links to outside websites are being provided strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information or programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites to which you are linking.