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Long Term Care Insurance

Disability Income Insurance Protection

Travel Medical Insurance

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Long Term Care Insurance

How do you plan for the uncertain event that someday you’ll wind up in a nursing home or need assisted living care? There are some ins and outs of long-term care insurance we can help you consider.

The reason why many people buy long term care insurance is because they think it is nursing home insurance and skilled nursing home care is a very uncomfortable topic for most people. Statistically, Americans over the age of 65 face a 40% risk of entering a nursing home for Long Term Care services.

Today, Long Term Care insurance typically involves a broad range of services including nursing home care, assisted living facilities and adult day care.

Long Term Care includes a wide range of medical and support services for people with a degenerative condition, a prolonged illness or cognitive disorder (Alzheimer’s).

To better understand Long Term Care, think about the activities that you perform when you wake up this morning. Probably, you:

  • Climb out of bed
  • Walk to the bathroom
  • Use the toilet
  • Use the bath or shower
  • Get dressed
  • Eat breakfast

However, when you or a loved one is stricken with a degenerative condition, performing these simple activities becomes impossible without the assistance of another person.

This type of care is Long Term Care. It is the same type of care that parents should provide for their new baby. This type of care is chronic and thus becomes very expensive without an insurance policy.

Frank West Insurance Services is dedicated to make the Long Term Care insurance process as easy as possible. All you have to do is fill out one request form, then allow us to find the appropriate long term care insurance company that best meets your needs.

**For your Free No Obligation Proposal please complete the request form below.

 

Disability Income Insurance Protection

When you can’t work, disability insurance goes to work for you.

But what would happen if you become disabled or ill and could not work?

How would you…

  • Pay your bills?
  • Make your monthly rent or mortgage loan payments?
  • Buy your groceries?
  • Make your car payments?
  • Provide for your children’s education?
  • Save for retirement?

Most people don’t realize the risk of becoming disabled, permanently or temporarily, at some point in their lives. But the reality is that at age 40, your chances of becoming disabled for 90 days or more prior to age 65 is 43%. (Source: 2004 Field Guide, National Underwriter)

When evaluating the chances of disability, you should carefully consider sources of available funds:


Employer coverage

How long would the business continue to pay you? How much would they pay you? When would your employer have to hire a replacement? Could the business afford to pay both?


Using savings

If you saved 10% of your income each year, one year of total disability could wipe out 10 years of savings. Can you afford that?


Obtaining a loan

Without an income, who will lend you money?


Working Spouse or Partner

Can your spouse or partner earn enough and be a companion, parent, private nurse, and employee – all at the same time?


Selling investments

Will a sale under forced conditions bring a true value? What will their value be at the time you are disabled?


Collecting Social Security

You cannot collect benefits until the end of the fifth full calendar month of total disability and only if it is expected to last 12 months or more. What will you do if your disability doesn’t meet those requirements? Even if it does, can you wait six months for payment?

Counting on friends, family or charity

Would these sources have funds for you to use? Do you want to depend on them?

Many different disability insurance products are available to help protect you and your family against severe financial hardship that may accompany a disability.

**For your Free No Obligation Proposal please complete the request form below.

 

Travel Medical Insurance

Click here for a free quote for Travel Insurance

 

HTH Worldwide: No other Travel Health Insurance company does more to protect you!

 

Proposal Request

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Individual Health Insurance

Frank West Insurance Services | Individual Health Insurance, Family Health Insurance, HTH Travel Insurance, CA Medical Insurance, Affordable San Diego Health Insurance, Insurance Quotes, Whole & Term Life Insurance Policies, Medicare Supplement Insurance, Medigap Plans, San Diego Medical Insurance, Medical Coverage, Health Care Reform & Affordable Care Act Assistance, CA Health Insurance Exchange, Group Health Insurance, Business Health Plans, Health Care Insurance, Long Term Care, Group Health Insurance, Employee Benefits, Dental Insurance, Disability Insurance, San Diego Life Insurance, Anthem Blue Cross, Aetna, Blue Shield of CA, Cigna, Health Net, Kaiser Permanente, San Diego, Coronado, La Jolla, Pacific Beach, Rancho Penasquitos, Poway, Rancho Bernardo, Oceanside, Solano Beach, Pacific Beach, Cardiff-by-the-Sea, Encinitas, Carlsbad, Carmel Valley, Del Mar, Olivenhain, Rancho Santa Fe, Aviara, Lakeside, San Diego County CA, Southern California | 7317 Celata Lane, San Diego CA 92129 | (858) 484-1894