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FAMILY PROTECTION.COM

YOUR SITE FOR LONG TERM CARE INSURANCE



When you or a family member need full-time, long term care, the economic and emotional price is staggering. An assisted living facility for my Mom costs $5,000 a month… plus. Then, there is the cost of physicians, medication, therapy, and other needs. A ballpark average for nursing home-assisted living stays is 5+/- years. A potential liability of up to $500,000 is not unimaginable. State Medicaid funding for those that meet a means test does exist. But, the safety net is available only after almost all assets are exhausted. Undoubtably, there are financial constraints to the Medicare level of amenities, service and care. You need to make the choice of what meets your expectations.

Many of the "Mean Green Nation" know that I am a healthcare person. I have operated a multi-state Company that delivered primary care to long term clients. Today, I represent some 250 physicians (www.PCPCallGroup.com). So, you can believe my passion for caring for individuals like my 93 year old Mother. She worked her entire life for the family. Now, she deserves quality, loving care. And, that means a clean environment without staph infections, appealing food, social attention, and good medical care!

I am concerned about the "worry about it later" mentality of our culture. Come ride with me today and I will show you the "here and now" of long term care. Then you will see why you need coverage that allows as much home-based care as possible. Please remember that the worst event is to leave an unfunded liability for the children. In reality, children should purchase long term care coverage for their parents to protect both of their estates. Yes, I am passionate about this national crisis. I am living it every day.

Here is how I personally won my game!

    • First, get serious and do not procrastinate. The longer you wait the more it costs.
    • Before you are offside, learn your long term care (LTC) options.
    • Find the right coach. This is critical because of the complexities of cost and suitability. You need to understand what you have to do to test and qualify for LTC.
    • Make sure the coach/agent can interact with you, your family and tax/legal professionals. Make sure they know healthcare and how the system works.
    • Get this coverage now while you and your love ones are healthy enough to qualify. As the "Age Wave" comes ashore and LTC cost soar, it is going to get more difficult to qualify.
    • Remember there is no assurance that long term care policies will always be available. This really causes me concern because people are living longer and healthcare costs are increasing.

                                   

                       "Call the right play"                          

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        Harris W. Miers Jr.
            840 Brown Trail
            Bedford, Texas 76022
              817.285.0388  main
              214.907.4943  office
              713.817.0388  mobile
              817.282.2720  fax
                                                          

                                                                 

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