Where Government Medicaid Doesn’t Help!

The keeper of an apiary hung a sign over one of the hives that read, “Bee it ever so bumble, there’s no place like comb.” Few species are more attached to their residence than honeybees. Another is human beings. C.S. Lewis said it well: To be happy at home is the end of all human endeavor.”

Home is where we want to be during all our life stages, especially the more difficult ones. But, reliance on Medicaid for funding a long-term care event will guarantee that will not happen.

Government funding will only provide for institutionalized care!

Consider the advantages of privately insuring for long-term care costs:

• Home care – All forms of private coverage pay the expenses and allow for recovery in the surroundings and circumstances you choose!
• Family care – Private coverage also allows you to choose a product that pays those close to you, even non-professionals, who attend to your needs!
• Policy cost recovery – Also, private plans are available that can provide premium refunds in the event care is never needed or received only for periods of limited duration.

Properly structured coverage may also offer distinct tax advantages for policies on business owners, their families and their employees. Bring your next client to us to assure the most emotionally secure care should the need arise. Reach out today to customize a plan.

For What’s It’s Worth: Among those “in the hive,” the best prospects for in-home LTC coverage might be the drones, whose role is to simply mate with the queen. Most die immediately, but those that do linger are pushed from the hive to save food, heat, and other resources for the rest of the colony.