As a courtesy to our clients, our office will work with long-term care insurance and assist with the necessary paperwork at no additional cost. Our office will contact your insurance provider to verify if our services will be covered. Please note that this is not a guarantee of benefits but we will go through all necessary steps (i.e., submitting copies of invoices and caregiver notes) in assisting you with the claims process.
You need not be a senior to take advantage of our services. Whether you're a new mother who could use some extra help or perhaps you're recovering from a recent injury, we are here to make your days easier.
By 2030, one in five Americans will be a senior citizen. If you are a Baby Boomer, this includes you. Americans are living longer and healthier, thanks to better diet, better medical care and safer living & working environments. Yet no one is immune to the effects of aging and longevity - effects that often result in reduced physical or mental ability.
It's hard to believe, but the estimated risk for needing Long Term Care continues to climb with each passing year. Now, the Federal government estimates that each individual has a 70% chance of needing Long Term Care in their lifetime. Recent studies reveal that if you are 60 years old you have more than a 60% chance of needing long term care. If you are over 65 years old, your chances of needing care goes up to 70%.
Your age, marital status, gender, lifestyle and, to some extent, your family health history all play a part in the possibility of needing long term care.
According to insurance actuarials, you are more at risk if you:
* are older
* are a woman
* are single
* have a poor diet
* don't exercise regularly
* smoke
* have a family history of Alzheimer's, stroke, arthritis, or other degenerative diseases.
Also, physical activities that can cause severe accidents should be included as a definite risk.
