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.

Sensible Decision

Melissa enabled me to make a sensible decision concerning my future health.  I did not want my children to face my advancing years without support.  Melissa made it easy for me to find the comfortable plan for my LTCi!!

Joyce L, Baltimore, Maryland

Centered and Resolute

My inbox recently displayed the subject line, “The Center of Your Celebrations”. No, it wasn’t about the matriarch or patriarch at your holiday dinners. Or even the newest member of the family.

Explanations helpful

Baygroup was helpful to my wife and me in deciding on long term care insurance policy because Melissa explained options and benefits. 

Christopher H, Harford County, Abingdon, MD  

The Gift of Choice – and Long Term Care

As we open up holiday cards and presents, as fun and festive as they are, it is also good to reflect on how the value of these items pale in comparison to the more meaningful gifts that life offers. Gifts such as spending time with friends and loved ones.

Investigating hybrid whole life/long term care policies

It was very useful to have Melissa’s input on options I am considering for insurance.  Her familiarity with what various insurers are offering is great. Especially helpful when dealing with considerations that may be out of the ordinary – like what kind of restrictions would apply for use of policy benefits outside of the US.  Melissa has done her homework and has a lot of that information right at her fingertips.

Robin K, Baltimore, Baltimore City, Maryland

Halloween and the Genworth Financial Cost of Care Survey

 

For 16 years, Genworth Financial has been producing what is considered the gold standard report on the cost of long term care. Other surveys have come and gone, but this one has remained the same. 

The Dementia Disaster

Ken Burns’ 2016 documentary on cancer titled, Cancer: The Emperor of All Maladies, speaks to the fear that a cancer diagnosis strikes in the hearts of all. And this begs the question, if cancer is the emperor, what can then be said about other debilitating conditions such as dementia?

Proactive Aging: Arming Yourself with Knowledge

Event Date: 
Tue, 11/05/2019 -
6:30pm to 8:30pm

As you proactively plan for your future, participate in this interactive guided discussion with experts in the field. Thoughtful planning and follow-through can help avoid a crisis should health care or housing needs change or life events force decisions to be made quickly. This course is designed to present a list of options, considerations and professional services available to help you put a plan in place, ready to be implemented if needed.

Long Term Care Planning

Event Date: 
Tue, 10/29/2019 -
8:30am to 4:45pm

34th Annual Personal Financial Planning Conference of MACPA will include a session on Long Term Care Planning.  Financial professionals and consultants, tasked with advising clients in retirement planning issues are welcome.  Melissa Barnickel, Baygroup Insurance, will provide an update on the marketplace and the new, more diverse, and economically viable long term care financial solutions available.  LTC planning is still critical to the overall success of any financial plan, it may not be funded by insurance, but a plan is necessary.

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