LONG TERM CARE

Benefits to You

For the Aging - The government, through recent changes to Medicare and Medicaid has clearly stated that the elderly will no longer receive full support when they retire. It is therefore essential that the elderly now develop a comprehensive plan to cover costs for their care without depleting a lifetime of savings.

For the Young - As the population of aged citizens continues to grow, costs to provide ongoing, quality care to this group are increasing to prohibitive levels. Societal changes indicate that children and family members are less likely to assume responsibility for the care of their elder relatives, leaving aging citizens who require care extremely vulnerable.

Professional Liability Solutions (PLS) has developed an expertise in providing clients with Long Term Care policies, so they may plan for care in their golden years.

The Time Is Now
Whether you require long-term care for yourself, spouse, parents or employees, it is imperative that you examine options as soon as possible. People who delay may not medically qualify for the insurance or it can be prohibitive in cost:

 

Coverage can only be purchased by those who are generally healthy

The earlier in one's life that the policy is purchased, the lower the premiums, i.e. a 40-year old will pay substantially less per month than a 50-year old individual

Premium reductions and/or eliminations are offered by many carriers to those who purchase policies earlier in their lives

Our research team continually reviews the finest Long Term Care products to advise and assist clients effectively. Many issues must be considered when purchasing a product.

OFFER NEW PRODUCTS AS THEY EMERGE
PLS actively researches new products so clients are assured the best and most cost-effective options

INSURE FINANCIAL SOLVENCY AND SECURITY
PLS constantly reviews financial data to verify the long-term stability of carriers

EXAMINE DIFFERENCES IN COVERAGE
Since definitions of coverage vary from policy to policy, PLS examines each policy thoroughly to ensure that clients needs are met fully and effectively

 

The PLS Difference
Our goal is to secure your future.PLS distinguishes itself by servicing you as a client by:

Maintaining expertise by keeping abreast of new developments

Evaluating each clientÕs situation to cover all areas of exposure

Superior servicing before, during and after product purchase

Using relationships with a wide spectrum of carriers to give you the best coverage and cost

Remaining flexible and creative to meet your specific needs

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