We can consider:

Traditional pay as you go LTC reimbursement and/or cash LTC insurance.

Combination Life and LTC insurance allowing for payout no matter which comes first.

Pension Protection Act compliant policies paying Life/LTC benefits tax free using non-qualified funds with gains that are otherwise taxable.

Annuities paying extra for LTC for those with more health conditions.

Hi there!
Be the first to review!
First-classBetter than mostAbout what I expectedNot the worst...Disappointing
Click to Rate

More Business Info

As one client said, punching her fist in the air, "I am getting this insurance for Dignity and Independence--to the End!" My mission is to ensure we all have that Dignity and Independence, no matter what. Of the over 200 LTC insurance claims used so far by my clients, none of my claimants had to go to a nursing home for their care when they had comprehensive LTC insurance. They stayed at home, used their insurance coverage for home modifications, extra help, and equipment to make their family caregiver's lives easier. As one client wrote,"When my wife became very ill with pulmonary fibrosis she needed home care...Our LTC insurance company, including you, could not have been nicer or more efficient. Your program made my wife’s last days infinitely more comfortable, and for that I am eternally grateful." A few clients have decided moving to assisted living would be better for their care. They are in very nice facilities with their care, housing and other personal needs provided, without worrying about the upkeep and expenses of their previous homes. Costs for LTC care are from $15 to $25/hr for homecare, $3000-$7000/month for assisted living or $6000 and up for a nursing home.

Hours
Regular Hours
Mon - Fri:
Sat:
Extra Phones

TollFree: 800-310-5569

Services/Products
Visit my informative website for general information on LTC issues, statistics, insurance, etc. Long Term Care Issues & Insurance Questions I Can Help You Answer: What does the government pay for? Am I eligible for Medi-Cal? Would I want Medi-Cal? Do I need Long Term Care Insurance? Will my health be an issue? If so, what are my other options to protect my eventual health care choices? Is LTC insurance affordable w/o changing my lifestyle? Can I protect my assets other ways where I am guaranteed to get all money back one way or the other? What will my long-term care cost 10-15 years from now? How much can I save getting insured as early as possible?
Brands
Aviva, Genworth, MedAmerica, MoneyGuard, OneAmerica, Prudential, Transamerica, United and Mutual of Omaha
Payment method
all major credit cards, check, insurance
Location
I can meet with you at your location for personal consultations on the best plans for your financial security, or we can meet via internet screen share. Â
Amenities
Friendly, no obligation consultations taking your needs and concerns into consideration. Advice on using your existing LTC coverage. Links on my website to federal and state government websites for consumers, helpful organizations and local professionals.
Associations
NAIFA-National Assoc. of Insurance and Financial Advisors CA Partnership for Long Term Care AALTCI - founding board member American Assoc. for LTC Insurance www.AALTCI.com SRN - Senior Resource Network of Santa Cruz www.SeniorResourceNetworkSC.com Senior Roundtable Santa Cruz and Santa Clara AAUW - American Assoc. of University Women Santa Cruz Chamber of Commerce SLV Chamber of Commerce 3in4 Need More www.3in4needmore.com   Â
Categories
Long Term Care Insurance, Health Insurance, Insurance
Suggest an Edit