Do you have a plan for your long-term care when you become a senior? When the time comes and it finally becomes harder for you to perform daily activities on your own, it is important to know what you want to do. Will you move in with children or other relatives? Hire a caregiver to come to your home? Move to an assisted living facility? Go it alone for as long as possible? Whatever your decision it is important to understand the full physical, financial, and emotional impact on yourself and your loved ones.
I find that the greater a person’s understanding is about exactly what long term care insurance can and cannot do, the more likely they are to clearly see its benefits.
Long term care (LTC) insurance pays a monetary amount for covered care when the insured either needs assistance with defined activities of daily living and/or has met the policy’s definition of cognitive impairment.
I would not have expected what a huge help Melissa's work proved to be. How difficult could it be to enroll in Medicare?
But I was wrong. She became indispensable in navigating the myriad of unfamiliar details we faced.
Melissa has been terrific helping me with my health care choices. She came highly recommended to me three years ago and has been assisting me since then. She always takes her time with me. I’m not very tech savvy and Melissa has lots of patience! I feel that she really cares about me making the correct decisions. Recently she was helping me at 10:00 on a Saturday night because I had a decision that needed to be made by Sunday!!
Melissa has great customer service skills and is very pleasant and easy to work with. I highly recommend her.
If there’s a silver lining to the pandemic we’re all living through, it’s the spotlight on long term care. Families with loved ones in senior care homes, whether assisted living units, nursing homes, or other facilities, were confronted right from the start with difficulties previously not considered.
Melissa was extremely knowlegeable, patient and friendly. She mad a complicated set of options very understandable & helped us make an informed choice.
Once a year I report highlights from the annual “Milliman Long Term Care Insurance Survey”—and right on schedule, the latest survey has just been published in the July 2021
Perhaps because this year our summer holidays have coincided with a marked reduction in the number of pandemic cases and deaths, those special days now seem more celebratory than ever:
If there’s a silver lining to the pandemic we’re all living through, it’s the spotlight on long term care. Families with loved ones in senior care homes, whether assisted living units, nursing homes, or other facilities, were confronted right from the start with difficulties previously not considered.
Once a year I report highlights from the annual “Milliman 
Perhaps because this year our summer holidays have coincided with a marked reduction in the number of pandemic cases and deaths, those special days now seem more celebratory than ever: 
There’s a reason why most purchasers of long term care insurance are individuals who’ve gone through a caregiving experience.