Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


This tag denotes content that is for advisors.

Are you stressed?

We all have so much going on in our lives on an average day – going to work, putting food on the table, taking care of the children, cleaning the house, etc.  What happens when there is a sudden serious illness or life threatening event that happens to a close loved one?  Priorities change immediately. The last thing those who need care may want is to be a burden on family members.   Unfortunately stress is the top challenge caregivers experience.

Tax Information


Federal Tax Benefits of Long-term Care Insurance


Long -Term Care Insurance Premium Deductions for Individuals

Shared Policy for spouses - Pre-planning for LTC


Attorney and his wife, both aged 50, in good health, concerned about prospective costs of long-term care in their 80's or 90's.  Also concerned that if something were to happen earlier, especially during working years that their disability coverage would not provide enough funds to pay for their lifestyle and for the cost of care.  A portion of their premium is deductible.

Family Member Pays Part of LTC Premium


Single woman, aged 59 has accumulated $200,000 in assets.  At age 67 will receive moderate income from Social Security and is still working.  Wants to remain at home for as long as possible if care is required.  Lives in Ohio, daughter lives in Maryland.  Daughter earns significant income but is concerned that if her mother were to require care, she would not be able to take time off from work to provide care. Mother resistant to purchasing adequate coverage because she felt she could not afford the premium.


Tailored Benefits for Each Spouse - Traditional LTC Plan


64 year old couple were concerned that if husband died, his $80,000 per year pension (19 years ago) would no longer provide the income needed in addition to investment income to provide for his wife's lifestyle if she required long term care assistance.


We are open and available to educate and help you plan using insurance to fund  your plan.  When you work with Baygroup Insurance, we will talk with you on the phone and permit you to view our screen as we go over information in the comfort and safety of your home.  Take the first step to learning more about planning for your family.  We can help you with long term care, life, disability, health and

Long Term Care Insurance

Baygroup Long Term Care insurance products

As an independent broker of Long-Term Care insurance (LTCi), we represent many top-rated insurance carriers.   We can help your clients find the one that best meets their needs and design a policy with features that fit within their budget.  Our Principals are experts in LTCi.

Combination Long Term Care Policies

Combination Long Term Care insurance (LTCi) policies, also known as linked-benefits or hybrid policies, are quickly gaining popularity.  It combines or links long term care benefits with another type of insurance - life insurance plan or an annuity.  It provides a benefit pool to pay for qualified long term care expenses, but if care is not needed, the heirs receive the life insurance death benefit or the cash value from the annuity.


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