LTC Advisors

Specialties

When it comes to the rising cost of long term care, it is important to understand your options. Traditional health insurance is not designed to cover long term care. Medicare was not designed to adequately cover the long term care costs many Americans may face. And, Medicaid (in California, MediCal) may not cover you until many of your assets have been depleted.

Time is a consumer’s enemy when it comes to long term care planning. A future change in health could limit your options.

The time to plan is now. Take a look at the LTC Information section. There is an online interactive cost of care tool to help you learn more about costs in your area. And don’t forget to browse the Resource section to find articles to help you stay up-​to-​date on long term care issues.

History

Established in 2000.

Long term care insurance helps pay for covered long term care when a person needs substantial assistance with at least 2 of the 6 activities of daily living (bathing, dressing, getting in and out of bed (or toileting and continence), for a period expected to last at least 90 days due to a chronic disease, accident or illness, or needs substantial supervision because of a severe cognitive impairment such as Alzheimer’s disease, and a doctor, nurse or licensed social worker certifies from time to time the individual needs the assistance or supervision as described above. transferring), feeding

Long term care services may be provided by a health care professional such as a nurse, a home health aide, or other personal care providers such as family members* and personal care attendants.

Long term care insurance can help pay for varying levels of care in a variety of locations, ranging from a few hours of care per week at home to round-​the-​clock care in a nursing home.

Meet the Business Owner

Teresa R.

Business Owner

Teresa E. Risner CLTC, LTCP is an independent agent representing Genworth Life Insurance Company.