Name: Barbara Hanson
Job Title: Specializing in LTC Insurance
Company Name: Barbara Hanson & Associates
Biography: I worked 7 years in skilled nursing homes, residential care and the county mental health wards. Long-term care (LTC) is usually best received at home, with friends and family helping, but not doing all the work. Trained professionals and their advice can make LTC much easier on the caregivers. I have seen over 200 claims from my book of LTC clients, and virtually all of them stayed at home; many have recovered their health and have returned to normal functioning.
Our social safety net is fraying with the faltering economy. Receiving quality LTC services may depend on whether a person has plenty of assets and/or LTC insurance in order to afford their 70% risk of needing to receive some form of long-term care service after age 65. The LTC insurance usually comes with care coordination and discounts which will benefit anyone, and having tax free benefits will go farther than savings, without impacting cash flow.
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