Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

Assisted Living Facility

The Battle of the Sexes: Long Term Care Version

Fifty years ago, Billie Jean King (then age 29) soundly beat self-proclaimed male chauvinist Bobby Riggs (then age 55) in an event dubbed the Battle of the Sexes.

The Elephant in the Retirement Planning Room

Odds are that among all your friends, relatives, advisors, and colleagues, very few have ever talked with you about the importance of planning for a future care need. Can’t blame them— it’s definitely not the most exciting of topics.  

The Mother of All Reasons for Having a Long Term Care Insurance Policy

It’s frequently said that long term care is a women’s issue, and there’s a lot of evidence to support that point of view. Sixty percent of family caregivers (read: unpaid) are female.

Inflation and Long Term Care Insurance

Prospects of higher inflation may strike fear in the hearts of most people. However, long term care insurance policyholders may actually have quite a different reaction. Let me explain:  

An Alphabet Soup of Long Term Care Choices: Are ADUs the New ALFs?

Decades ago, when someone needed long term care, it would often be provided at home. The only other option was to move to a nursing home, which most believed was a choice of last resort.

Long Term Care Insurance – What It’s NOT

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.

Opinions and Facts: Long Term Care Insurance

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.

Is This the Month to Apply for Long Term Care Insurance?

Quick— what’s November? No, the answer I’m looking for isn’t, “it’s the month we celebrate Thanksgiving,” but rather, “It’s National Long Term Care Awareness Month!”

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.

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