Long Term Care
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Long Term care is the assistance received when someone needs help with two or more of the activities of daily living – such as dressing, bathing, going to the bathroom, eating or moving about – or when someone suffers a sever cognitive impairment from a disease or injury.

Caring for an aging parent or close relative, a husband or wife, or a child with a debilitating injury or illness can be a serious financial and emotional burden. Individuals and families usually bear the weight of this financial burden. Health insurance does not cover most expenses related to long term care. Government funding falls short by providing limited financial support from Medicare. You must first deplete the vast majority of your assets to qualify for Medicare assistance, and wait for approval. Long Term care insurance can help you preserve your independence and financial security as well as help relieve your family members of the burden of making decision about how to pay for this care.

Purchasing long term care insurance is an important part of your financial and retirement securing. By purchasing coverage at a younger age you have the most affordable rate and allows you to preserve your savings and retirement funds for you and your family. The goal of Long term care insurance is to maximize your independence by reducing the time and effort difficult activities might take as a result of some condition.

Long Term Care does not have a fixed rate, and many factors contribute to the cost. The amount of money you might pay can change depending on what state you’re in, the facility you choose, and the degree of attention. Nursing homes, generally, calculate their cost by how much money is required per day. A Long Term Care Insurance Policy might refer to “daily benefits,” since it also determines the amount of money you will receive in terms of daily cost. A nursing home can charge anywhere from $100 to $300 a day. The nature and quality of the facility will also vary. Home care will also be calculated daily, but generally does not cost as much as a nursing home or other facility.

Long Term care insurance gives you the option of choosing how and when you will receive care. Long Term care insurance will allow you to stay at home for as long as possible, and you will have the flexibility to choose the care options that work best for you and your situation. Long Term care insurance is an important part of your financial planning. Purchasing cover now gives you the most affordable rate. It will give you peace of mind knowing that you are helping to preserve your retirement funds and savings for you and your family.

Group Long Term Care Insurance

Employers with 10 or more eligible employees to enroll can apply for Group Long Term care at very affordable rates. Signing up for coverage at the workplace is simple and you can pay your premium through convenient payroll deductions. There is little or no medical underwriting and some plans offer guaranteed issue. Based on the plan your employer is offering, you can apply for coverage for your immediate family members at simplified underwriting. Most important, if you leave your employment, the policy is portable – you can keep your coverage at the group premium.

Group Long Term care becomes a phenomenal benefit because of the lower rates, portability, and guaranteed underwriting. We will be happy to answer any questions you may have.

Physical Address:  28 Barkley Circle Ft. Myers, Florida 33907
Mailing Address:  P.O. Box 62487    Ft. Myers, Florida 33906-2487
Ph:  239.278.3939 Fax: 239.278.4853