Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Long Term Care Insurance

Do You Have a Long Term Care Plan?

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.

A Decades Long Dance: Long Term Care Reform

Whether dancers are in the ballroom or on the ice, they display beautiful, artistic maneuvers, usually landing not far from where they began. No matter how intricate or athletic the moves, dancers won’t have covered all that much distance.

Reimagining Retirement and Long Term Care

Depending on where you live in the United States and whether or not you know anyone who’s had a serious case of Covid-19, you may or may not believe that this pandemic will impact your personal retirement plans.  

Healthy Coincidence?

A study published June 17th, 2020 in the journal, Neurology, emphasizes how important a healthy lifestyle is in reducing the risk of Alzheimer’s disease.  

Knowledgable and Helpful

Melissa was so knowledgable and helpful!  She provided options based on our needs and let us ask lots of questions about life insurance with long term care rider. We feel better educated and confident in our product selection.  Thank you!

Tom E., Frederick, Maryland

What if I never need long term care?

  1. If you purchase some form of LTC insurance and never need it, you and your family will be very glad you did not need it.
  2. If you purchase LTC insurance and you need care, you and your family will be very glad it was purchased.
  3. If you do not purchase LTC insurance and you need care, you and your family will desperately wish you had!

An Updated Look at Long Term Care Planning

The COVID-19 pandemic has changed the way we plan for a lot of things. 

 

Is Long Term Care Insurance Nursing Home Avoidance Insurance?

If you have a loved one in a nursing home, it’s likely that you are in the unfortunate scenario that you are unable to visit them due to the pandemic.

Are there different underwriting requirements due to COVID-19?

Many carriers do have different underwriting requirements during COVID-19 pandemic.  

Some life insurance applications are eligible to be issued without any lab work.  

Some ages, and health history will require the applicant to wait until after COVID-19.

Even so, education can take place now while you are at home.  We can look at your heath history and what insurance you are considering and then advise when application can take place.

Experience was awesome!

My experience was awesome.  Melissa took the time to explain everthing until my wife and I completely understood.  She is very thorough and professional. Thank you.

Robert R, Manchester, Carroll County, MD

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