Baygroup Insurance

Maryland's premier Long-Term Care insurance agency

long term care

Age & Stage for LTCI

Melissa Barnickel Discusses the Age & Stage for LTCI:

The Pandemic & Long Term Care Planning

There are normal risks people encounter everyday from going about life as usual— such as the possibility of getting injured from car accidents or sports. A sudden need for long term care is no different.

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

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. 

Retirement Mistakes and Long Term Care

The Motley Fool recently published an article entitled “4 Retirement Mistakes You Can't Afford to Make,” with a subtitle warning: “Take steps to avoid these.“

And—as if you weren’t already motivated to read

Not Just Asset Protection: How Private Long Term Care Can Protect Against Abuse

It’s horrible in the abstract. Yet it’s even worse when it’s reported at a facility you know. The topic: elder abuse at the hands of professional caregivers.

Helpful giving us many options

Melissa was helpful giving us many options for long term care.  She greatly explained all these options and brought us to the conclusion to purchase the LTC policy (life insurance with a LTC rider).

C..R., Elkridge, Howard County, Maryland

Recent Baygroup Speaking Engagements

Melissa Barnickel had a wonderful experience speaking at the Society of Financial Professionals on March 13th to discuss funding options for a long term care event. She also served as a panelist at the Intercompany Long Term Care Insurance Conference to discuss long term care insurance options in Las Vegas, NV on March 19th.


Long Term Care Awareness

November is long term care awareness month. Even though long term care is often discussed in the news, it is frequently confused with healthcare.

The Emotional and Physical Impact of Care on Caregivers’ Health

It is estimated that 44 million people eighteen years of age and older in the United States provide unpaid assistance to adults who are aging or have disabilities. The value of this unpaid group is almost double that of both the nursing home ($115 billion) and home health care industries ($43 billion), coming in at $306 billion annually. While this shows a remarkable amount of care for one’s family and community, evidence shows that most caregivers do not have the necessary support they need and are not prepared for what is required of them.

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