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.

Phone: (831) 335-4949