Alternative to a Nursing Home

Long Term Care Insurance – A Means to Prevent a Nursing Home Stay

Since 1988 I have worked in the field of aging. My experiences has made it clear to me that best course of action is to keep clients as far away from Nursing Homes as possible. My goal is to keep my clients at home for as long as possible, if not for the rest of their lives.

Based on my personal experience, the fundamentally institutional nature of a Nursing Home prevents them from offering dignified care. There are good hearted, well intentioned caregivers in many Nursing Homes, but the demands of institutional settings hamper the quality of care caregivers are able to provide.

Insurance companies and financial advisors who sell Long Term Care Insurance do not realize what it is like to actually live in an institutional setting. This might explain why most of the professional literature is written incorrectly.

Agents usually offer Long Term Care Insurance plans based on Nursing Home Cost and the average length of stay in a Nursing Home (average is 3 years). There are references to a “continuum of care” with home care ranked at the lowest level and Nursing Home at the top. How can a Nursing Home resident be better off receiving approximately 3 hours of direct care in a 24 hour period from low paid, overworked, Nursing Home Staff compared to a disabled individual who can have full time care from a private caregiver at home?

As a professional Insurance Agent, I best serve my clients by helping them plan ahead so they can receive care at home when the time comes. By having a comprehensive Long Term Care Insurance policy, we have together put the appropriate plan of action in place.

“Home Care provides choices such as the type of food you like to eat, to the music you like to hear”

By educating my clients and doing advanced planning, I strive to serve them well. I try to help my clients achieve fuller, happier and more dignified lives. Secure in the knowledge that they will never become a burden to those they love.

A good Long Term Care Insurance policy with excellent home care benefits can keep you out of a Nursing Home.

After all…”There’s No Place Like Home!”

Abe Glickman, LTCA, LTCP

Member: AALTCI, NAHU, NAIFA, SOA

Abe Glickman Insurance Group

Toll-Free Phone: 877-298-5824

Email: AG@AbeGlickman.com

“It is better to create a plan 10 years too soon than one day too late.”

Questions or Comments? Give me a call!


No Nursing Home for Me!

No Nursing Home for Me (Now this is what I call an alternate plan of care!)

            About two years ago, I was on a cruise through the western Mediterranean, aboard a Princess liner. At dinner I noticed an elderly lady sitting alone along the rail of the grand stairway in the main dining room. I also noticed that all the staff, ship offices, waiters, busboys, etc., all seemed very familiar with this woman. I asked my waiter who she was, expecting to be told that she owned the line, but he said he only knew that she had been on board for the four cruises, back to back.

            As I left the dining room, I caught her eye and stopped to say hello. We chatted for a little while and I finally said, “I understand you have been on this ship for the last four cruises.” She replied, “Yes, that’s true.” I stated, “I don’t understand,” and without a pause, she replied, “It’s cheaper than a nursing home.”

           So, there will be no nursing home in my future either. When I get old and feeble, I am going to get on a Princess Cruise Ship. The average cost for a nursing home is $200 per day. I have checked on reservations at Princess and I can get a Long Term Discount and Senior Discount price of $135 per day. That leaves $65 a day for:

  1. Gratuities which will only be $10 per day.
  2. I will have as many as 10 meals a day if I can waddle to the restaurant, or have room service (which means I can have breakfast in bed every day of the week).
  3. Princess has as many as three swimming pools, a workout room, free washer and dryers, and shows every night.
  4. They have free toothpaste, razors, soap, and shampoo.
  5. The Princess Staff will even treat you like a customer, not a patient. An extra $5 worth of tips will have the entire will have the entire staff scrambling to help you.
  6. I will get to meet new people every 7 to 14 days.
  7. TV Broken? Light bulb need changing? Need to have the mattress replaced? No Problem! They will fix everything and apologize for your inconvenience.
  8. Clean sheets and towels everyday day, and you don’t even have to ask for them!
  9. If you fall in the nursing home and break a hip, you are on Medicare. If you fall and break a hip on the Princess ship, they upgrade you to a suite for the rest of your life.

 Now, hold onto your seats for the best part! Do you want to see South America, the Panama Canal, Tahiti, Australia, New Zealand, Asia, or anywhere you want to go? Princess will have a ship ready to go!

 So don’t look for me in a nursing home, just call shore to ship.

 P.S. Don’t forget, when you die, they just dump you over the side at no charge!

Abe Glickman, LTCA, LTCP

Member: AALTCI, NAHU, NAIFA, SOA

Abe Glickman Insurance Group

Toll-Free Phone: 877-298-5824

Email: AG@AbeGlickman.com

 “It is better to create a plan 10 years too soon than one day too late.”

 Questions or Comments? Give me a call!