© 2019 Long Term Care Alternative Insurance

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www.longtermcarealternativeinsurance.com is an insurance brokerage that educates clients on Long Term Care Insurance alternatives and assists in the application process.   Life & Health Agent License for Zachary Taylor Agent #0M60573.                      

Contact Us   213.784.1481 | zack@lucentelmgroup.com  | 3460 Torrance Blvd. Suite 300, Torrance, CA 90503

See if you Qualify   

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Long Term Care Facilities

  • Personal Care

    • Under the Home Care umbrella, Personal Care assistants are there to help with every day household tasks.  This might include dressing, bathing, toileting, and meal preparation, as well as things like transferring from bed to wheelchair, and wheelchair to vehicle with transportation to appointments.  They might include light chores like laundry and dishes, basic cleaning, errands, medication reminders, as well as companionship and engagement.  For persons suffering from Dementia and Alzheimer's they can be there to supervise.

  • Homemaker Services​

    • With a less hands-on need for personal care, homemaker services are trained professionals that are more focused on the household chores one needs to keep a healthy, happy home.  There is focus on laundry, cleaning, meal planning and preparation, grocery shopping, taking the trash out, escorting to appointments and shopping outings, assisting in managing food budgets, and other standard activities involved in living at home.

  • Bed Reservation

    • Specific to nursing homes, for more desirable facilities there may be a wait list for people to get in, and when a resident is hospitalized or wants to take a vacation, they may lose their spot to someone in need.  Bed Reservation services cover the cost of your spot, typically up to 21 days, so that you may return to your nursing home facility without concern for having to relocate.

  • Adult Day Care​

    • Just as is sounds, Adult Day Care is a facility where seniors go during the day for a variety of reasons.​  Folks that live with family members that act as part time care takers, or simply live alone and are isolated, have the opportunity to get out of the house and receive the care they need.  Some facilities are more focused on social engagement and mental stimulation, and might include fun outings and field trips.  Other facilities are more geared for specific nursing care and therapy.  And lastly, some facilities provide care for certain disabilities including dementia and alzheimer's.  Family members that act as care givers are given a break during the day to attend work, school, and address their own personal needs while being there for their family in the evening, so this is a great happy medium for a lot of different seniors.  Some facilities also include pickup and drop off services, so chances are you can find an adult day care that suits your specific needs.

  • Residential Care

    • More commonly known as Assisted Living Facilities, Residential Care provides residences for people who are no longer able to live at home, but do not need 24 hr nursing care.  They offer room and board, as well as medication distribution, assistance with housekeeping, personal hygiene, dressing, and walking if needed.  This can be a great option for an elderly couple where one spouse requires more help than the other can give even though they may still be healthy.  They can live independently while having care just down the hall.       

  • Nursing Facility​

    • This term is a bit more broad as nursing facilities come in a variety of different levels.  Your general nursing facility provides mostly non-medical daily care and are run by nurses' aides to assist in getting around, getting dressed, bathed, and fed, and provide some level of activity.   Other types of facilities are known as Skilled Nursing Facilities, offering assistance with recovery from stroke or illness, surgery, or have a terminal illness, or suffer from severe memory issues.   Depending on the medical care you require, Medicare does cover illness and injuries that accompany a 3 day hospital stay, but limit long term care expenses to 20 days, and the remaining 80 days require a copay of $170.50 as of 2019.  After 100 days patients are left to cover 100% of the bill.  People in Skilled Nursing Facilities are typically there for a short term, and eventually return either to a nursing facility, assisted living facility, or even their own home.

  • Hospice Care

    • The final phase of life requires a certain level of support, and hospice is appropriate for anyone who's been given a prognosis of less than 12 months to live.  They are there to provide you with comfort and quality of life as well as  options on how you want to live physically, spiritually, and emotionally.  They are also there to help prepare you and your family with information on what to expect in the coming months or days, and provide emotional support for those in-need.  

The services listed above are all considered Long Term Care services, and you can receive a reimbursement for some or all of your bills from the insurance company depending on how much you decide to invest and how much care you end up needing.  With a Single Premium Long Term Care Fixed Annuity, the insurance company is offering to double to triple your initial investment if you end up entering a long term care situation, and if you don't, the insurance company will return your investment to your beneficiary or to you after you meet the surrender period.  Clients are made whole 100% of the time, so it's a great option to consider.

To see if you qualify, schedule a brief phone appointment with one of our agents at a time that's convenient for you.  

Many people think of Long Term Care Facilities as strictly Assisted Living and Nursing Homes, but in reality 70% of Long Term Care claims begin in the comfort of your own home.  In this article I will highlight the services covered under one of our Single Premium Long Term Care insurance annuity policies:  

  • Home Care Services

    • These are Professional services rendered by nurses, therapists, and aides that enable you to live safely in your home when you might not be able to live independently anymore.  With a wide range of services, they might be helping you to recover from an illness or injury with skilled nursing, manage a chronic illness, or may simply be there to assist with dressing, bathing, toileting, meal preparation, and companionship.  Most people don't want to leave their home, so these professionals are here to make sure you can stay in your home for as long as possible.