We work with the highest rated carriers in the industry. They include:
|Allianz||Genworth||New York Life|
|John Hancock||One America||TransAmerica|
|Mutual of Omaha||Mass Mutual||United of Omaha|
Let us show you your options, and be an advocate for you and your family.
When you become incapacitated, due to either illness or injury, and you are no longer able to care for yourself, you will need Long Term Care. To receive the benefits of your policy you may experience cognitive issues (such as with Alzheimer's disease) or have difficulty with two of the six Activities of Daily Living (eating, dressing, toileting, bathing, transferring, and Continence).
Medicare: People that are over age 65, or permanently disabled, receive Medicare. Medicare will only pay for benefits at the "skilled" level of care. It does not pay for adult daycare, assisted living, or any other long term medical service. If you require skilled care such as a nursing home, only the first 100 days are paid for by Medicare. For Home Care, Medicare will pay (on average) 20 days at 3 hours per day, and only at the skilled level of care.
Medicaid: Each state has to have it's own qualifications. This program is meant for the indigent. There is no guaranteed placement in a nursing home and there may be a long waiting list for any type of facility placement. You lose total control of your own care.
Home Care: Help can be as varied as providing medical care, to meal preparation, to shopping, etc. If you are terminally ill then hospice care would be included.
Community Services: These support services can include senior centers, meal plans, adult daycare, transportation, etc.
Assisted Living Facilities: These facilities provide 24-hour care and help with Activities of Daily Living. They can also provide socialization and recreational activities. These are very popular facilities nowadays.
Nursing Homes: If a person is unable to be cared for at home, then a nursing home may be the appropriate place for skilled nursing services, rehabilitation, assistance with ADL skills, meals, etc.
How do I pay for these services?
Generally, health plans do not cover home health care or nursing home care. These services can become very expensive.
How to choose the best quality of service and facility: