Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Disability Insurance

Tips from Caregivers

With so many people bearing the emotional and financial brunt of being a caregiver, we looked for the best tips to help ease the day-in-day-out stress that comes with such an important role.


For information and resources on topics relating to our products, please see the following links:

·      A Place for Mom

·      Aging with Dignity

·      Alzheimer’s Association

Melissa Barnickel - Women of Influence - I95 Business Magazine - Baltimore

Melissa Barnickel was interviewed by I95 Business for Women of Influence.

Read more to learn about Melissa's personal and professional background and how she helps clients and their trusted advisors to preserve their hard-earned assets by incorporating insurance with their financial plan.  

Excerpts from "Baygroup Insurance" on

By: Linda Esterson



Our goal is to provide you with essential information about long term care, life, health, disability insurance products so you can make sound decisions regarding your insurance needs. It is our belief that an educated consumer will efficiently integrate insurance into their long range planning.  We work with individuals, employers and association groups to maximize tax benefits. 

Overlooking Disability Insurance Can Be Costly

Dave Carpenter discusses the importance of owning Disability Insurance in this Bloomberg Business Week article.  Disability Insurance is easy to overlook, until it is needed.  This statistic from the article speaks for itself:

Government studies show that a 20-year-old worker has a 30 percent chance of becoming disabled before reaching full retirement age. Yet only about a third of employees in private industry have long-term disability insurance, according to the Bureau of Labor Statistics.

What is the difference between long term care insurance and disability insurance?

Long term care insurance (LTCi) and disability insurance (DI) both help you protect your assets, but they serve different purposes.

Disability insurance replaces a portion of your income lost due to an inability to perform your job.  The qualifying disability may be job or task specific (unable to perform your particular job) or general (unable to perform any job).

What rating will I receive on my disability insurance application?

Many factors go into determining your health rating.  To get a preferred health rating, you must be in excellent overall health.  Your weight, height, cholesterol level, and blood pressure will be taken into consideration.  Nonsmokers will receive a higher rating than those who use tabacco.  In addition, your personal and family health history will be considered. 

My employer provides group disability insurance. Do I need additional individual disability insurance?

Group insurance plans through an employer can provide needed coverage. An individual needs to know if the plan covers illness and injury, for how much and for what period of time. Some group policies provide coverage only if injured on the job and only for a short period of time. Some employers provide no group coverage at all. Many individuals have multiple policies that cover long term disabilities.


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