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Melissa Barnickel Speaking for LPR

Posted by Melissa

Melissa Barnickel Speaking for LPR:

Age & Stage for LTCI

Posted by Melissa

Melissa Barnickel Discusses the Age & Stage for LTCI:

Debunking the Myth Around "Self-Insuring" For Long Term Care

Posted by Melissa

Myth: I can "self-insure" for long term care should I need it down the road.

Reality: There is no thing such as "self-insurance", only "self-funded" care.

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Did You Know?

How is disability defined?

The definition of disability may vary from policy to policy. The definition in the policy that you choose is extremely important because it determines under what circumstances you will be...

Who is a good candidate for a combination long term care insurance product?

Many of these combination products require a single premium payment, rather than many monthly payments or annual payments. Some people purchase these products because there is a one-time payment...

How will having long term care insurance affect my family?

Long term care insurance enables your family to supervise your care, rather than provide the care. Their emotion and physical wellbeing is maintained. ...

Who needs life insurance?

For life insurance, your level of need will depend on your responsibilities and your age. If you have people who depend on your income you need life insurance. The benefit can help your...

Can my spouse and I purchase a Medigap policy together?

No. Each Medigap policy covers only one person. If you and your spouse would both like Medigap insurance, you will have to purchase two separate policies.

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Melissa Barnickel Speaking for LPR

Age & Stage for LTCI

Debunking the Myth Around "Self-Insuring" For Long Term Care