Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

custodial care

What Every Policyholder Can Do to Make Claim Time Easier

Whether you’re a new long term care insurance policyholder (congratulations!), or you’re a family member of a policyholder and you’re anticipating a need for that person’s care, this article can help you get your claim paid quickly and with minimal stress.

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.

Youngish Term Care Claims

The prevailing wisdom is that long term care insurance claims don’t happen until well after traditional retirement age. Say, age 80+, or even 90+ if you’re lucky. And that’s true— usually. But let’s consider the exceptions. Imagine you’re 45, 55, or 65, and you just bought a long term care insurance policy.

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.

How to Make the Very Difficult Easier

Woman having difficulty on the phoneThere’s a reason why most purchasers of long term care insurance are individuals who’ve gone through a caregiving experience.

Spring Cleaning and Your Long Term Care Plan

The birds are chirping and spring is in the air. Time for a deep clean, and let the sun shine in!

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!”

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