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One reason many people balk at buying long term care insurance is because they think it covers only nursing home care and nursing home care is a very uncomfortable topic for most people. But, due to many advances in modern medicine and life-style changes, the number of people over the age of 65 is projected to double by the year 2050. Long Term Care includes a wide range of medical and support services for people with a degenerative condition Long Term Care is not necessarily medical care but rather "custodial care." Most people think of long-term care as something needed by older people, but accident or illness can strike someone of any age, When it does, they too may find themselves in need of assistance. All Long Term Care plans we offer have built in inflation protection, level premiums and cover all aspects of LTC assisted living which include home health care, private duty nursing facility and hospice care.
“After age 65, Americans have more than a 70% chance of needing some form
of long-term care.”
-American Society on Aging 12/23/2003
"I have had the opportunity to know Ric and the work of his company. I believe they are very professional and have the ability to help reduce benefit costs without reducing coverage."
Sean Logan, Pennsylvania State Senator, 45th District
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HealthAmerica / HealthAssurance, Aegon Insurance Group, Aetna, Allianz, Assurant, Cigna, Delta Dental,
Humana, Sirius International, IMG,
Principal Financial Group, Spectera, TransAmerica, United Healthcare,
Unum, UPMC Health Plan, Golden Rule, Highmark BC/BS and Medico
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