LONG-TERM CARE INSURANCE

What Is Long Term Care Insurance?

Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.

Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them.

The cost of your long-term care policy is based on:
How old you are when you buy the policy
The maximum amount that a policy will pay per day
The maximum number of days (years) that a policy will pay
The maximum amount per day times the number of days determines the lifetime maximum amount that the policy will pay.

If you are in poor health or already receiving long-term care services, you may not qualify for long-term care insurance as most individual policies require medical underwriting. In some cases, you may be able to buy a limited amount of coverage, or coverage at a higher “non-standard” rate. Some group policies do not require underwriting.

What types of Long-Term Care Services are available?

Aides can come into your home, but these costs are not usually covered by ordinary health insurance policies and Medicare. These expenses can quickly deplete your nest egg, no matter how much you’ve saved. This is when long term care insurance can help.

Long term care insurance (LTCI) can help cover the cost of care you receive at home from nurses’ aides, home health aides and therapists. It can help cover services in an assisted living facility and, if you require skilled care, nursing home expenses can be covered.

It helps you maintain your dignity and financial freedom and gives you the flexibility to participate in making choices that impact your care — about the services you receive, where you receive them and who provides the care you need.

Someone who has a chronic condition or is returning from a stay in a hospital or rehabilitation facility may need these services, which can be covered by long term care insurance:

NURSING HOME CARE
Nursing homes give residents skilled nursing care 24 hours a day, along with medication monitoring, rehabilitation and physical therapy, room and board and personal care and supervision.
ADULT DAY CARE
Based in the community, adult day care centers provide daytime supervision, giving family caregivers much needed assistance. Along with social activities, they may provide health services and therapy.

IN-HOME CARE
These aides help you when you are disabled or ill with personal care like bathing, dressing, eating and taking medication. By receiving these services at home, you can remain in the comfort of their own home longer.
ASSISTED LIVING FACILITIES
Assisted living facilities (or residential care facilities) can provide personal care and health services when you need assistance with activities of daily living, but not the level of care provided by a nursing home. Assisted living is an intermediate level of long term care, not an alternative to a nursing home.

What Others are Saying…

We heard about long term care insurance from a neighbor of ours whose mom was living with her. We noticed that our neighbor was so overwhelmed with caring for her mom. She had purchased a long term care insurance policy from Kevin a few years prior. We met with Kevin and bought a policy as a gift to our kids as we did not want to burden them with our care needs. Thank you Kevin.

Jerry and Lynn C.
La Mesa, CA

Our mom was at Atria Senior Living in San Diego. We were given Kevin’s card as someone that offered long term care insurance. We didn’t know anything about how the plans work or what they cost or covered. We met with him and went over the plans in our meeting. We now have peace of mind knowing that we have long term care costs taken care of with this policy. Kevin stays in contact with us periodically and we receive his monthly newsletter which gives us some helpful information.

John and Nancy P.
Carlsbad, CA

We were introduced to Kevin Leinum through our LPL financial advisor. Kevin met us at our advisors office and introduced us to a life insurance with long term care insurance plan. We liked how there was a death benefit for our kids if we never used it. That gave my husband some comfort that if we never used it we wouldn’t lose the money. We hope we never need long term care but we are glad we made the purchase.

Terrance and Natalia P.
La Jolla, CA

ADDRESS

8144 La Mesa Blvd
La Mesa, Ca. 91942

PHONE

(619) 886-5665

We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 75 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed, or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program, please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov.