Archive for March, 2011

Don’t Have Long Term Care…Uh-Oh

Don’t Have Long-Term Care

None of us need another bill to pay, but not having this protection could and will destroy your finances long before you’re old and will eliminate your legacy to your children and grandchildren.

Many people are counting on the government, our children or our own savings to take care of us. Thinking about nursing homes is enough to make us sick. Some of us think we are too young to think about this issue.

Not having a Long-Term Care Insurance policy can be one of the most expensive mistakes you will ever make.

Medicare pays for medical expenses. It does not pay for custodial care, the day-to-day
care people need due to age, illness or accidents.

Medicaid is Welfare. You probably do not depend on it now and you wouldn’t want to depend on it later. You have to be impoverished or make yourself that way. And you would have no choice in whom or where care would be provided.

I have an idea…take a tour of all Medicaid facilities that accept new Medicaid patients before you decide to be at the mercy of the state.

Where is your help?

The Kids – You might assume that could work (check with them first). What about if they are raising their children and/or working full time? Your daughter may say move in, but what about the son-in-law. Also, what happens if you need more care then they are able to provide?

You could allocate savings to pay, and if you’re extremely wealthy it might work. But at an average cost of $70,000 – $100,000 and higher a year, how long would your savings last?

Long-Term Care is not just for a year or two. Someone with Alzheimer’s could need care for 10 years or more. A person with Multiple Sclerosis in their 50’s could live for decades, and with good Long-Term Care Insurance, they stand a better chance of staying independent and have some enjoyable years.

When should you buy – The younger, the better! Rates are lower, but more importantly, is the likelihood your medical history is good and you can qualify. Always remember that regardless of your age, your medical history buys the policy not your money.

For some people, the need for Long-Term Care comes suddenly and without this valuable coverage it becomes a life altering event.

Again, I offer to discuss how to obtain this valuable coverage as well as to describe the details of this insurance.

Talk to your family. Make this evening’s conversation a gift to you and a gift to your entire family.

Abe Glickman, LTCA, LTCP


Abe Glickman Insurance Group

Toll-Free Phone: 877-298-5824


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

Questions or
Comments? Give me a call!

Is Your LTC Agent Gone? I WILL be Your Advocate

As a long time insurance agent, let me take this opportunity to wish you a happy and healthy year to come.

Most likely, several years ago, many of you have purchased a Long Term Care (Home Health Care) or Medicare Supplement Policy. May I say congratulations; doing that was a very smart financial decision.

However, over the years you have probably lost contact with the agent who sold you the policy. There is a good chance that agent has retired or left the profession. Statistics show that 7 out of 10 agents doing business at this time have left the industry. Thus, leaving behind thousands of clients with policies and without an agent to assist when those policies need to be utilized. It is very important to know that there are rules and procedures that must be followed in order for the insurance company to pay the benefits you need today and have paid for for all of these years.

I want to tell you that I am here to take care of anything that you may need. This means, when you get sick or hurt and need to utilize your policy I, Abe Glickman, am the person you need to contact (877-298-5824). I will take care of everything in a timely matter to make the situation less stressful for you and your family by providing you the following:

  • Locating Home Heath Care Services for you, as well as Assisted Living, Nursing Home, and Adult Day Care
  • Helping you with your claims so there are no delays
  • Ensuring that your claims are processed accurately
  • Being at your service 24 hours in the event of any emergency

We at the Abe Glickman Insurance Group, have, and will always be dedicated to providing the best service and insure that you are completely satisfied. Service and support to you and your loved ones has always been my NUMBER ONE PRIORITY.

Please take this opportunity to call me at the following number (877-298-5824) and allow me to review your coverage so I may refresh your memory of what you purchased many years ago. After that, I will become your advocate, providing you with my personal attention to your needs. We will create an informational profile for you and make sure you, as wall as your family, know to contact me in assisting you at the time of need.

I also invite you to visit me at my office at any time you are in the area and have any questions or just want to say hello. Also, please make sure your family and friends have my information in the event assistance is needed in the future.

I sincerely hope you enjoy good health for many years to come.

Abe Glickman, LTCA, LTCP


Abe Glickman Insurance Group

Toll-Free Phone: 877-298-5824


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

Questions or Comments? Give me a call!