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Florida Long Term Care Insurance
Baby Boomers are coming of age, so too grows the reality of insuring and paying for the long-term care of our citizens. Long-term care insurance is for seniors who can no longer take care of themselves. You must plan ahead for these situations as when they do occur your family will most likely endure a stressful periods if this is not planned for. An insurance company will pay for long-term care when a person cannot perform a number of "activities of daily living". Typically, two or three of the following six are required: bathing, continence, dressing, eating, toileting (moving to and from the toilet), and transferring (getting in and out of bed). Of these, research has shown that bathing is the usually the first ADL a person cannot perform.
Whether or not a person chooses to buy long-term care insurance is dependent upon a number of factors, including income. Age is also a factor; if you are too old, you may not qualify. Certainly, the younger a person is, the less expensive such a policy would be. The ideal age to purchase long-term care insurance for yourself is between 50-55, since your premium at 55 will be approximately half of what it would be at 65.
Long-Term Care Insurance through K & M Insurance Agency LLC
K & M Insurance Agency LLC offers just such a plan through our group insurance products. As an employer, it's important to take care of not only your current employees, but your past ones as well. After all, your workers will be more likely to stay with your company if they know you'll be taking care of them over the long haul.
At K & M Insurance Agency, LLC, we listen to what your needs are and make our recommendations based on that. We'll get proposals from Floridaŭs leading benefit carriers and make a presentation to you that shows how you can get the most from your benefit dollars. We'll help you roll out this plan, and then be there for you year-round to support you and your staff.
For more information or to get a quote, fill out our online long term care quote form.
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