It’s Your  Long Term Care Plan,
Not the Insurance Company’s,
and not the Government’s!

A Long Term Care (LTC) plan is the best guarantee of your financial security and independence.  You, and your family, may depend on it one day to pay large, ongoing medical expenses and add much needed emotional and psychological support.  Yet most people are sold a policy instead of selecting a plan that’s appropriate for their needs.  And the government isn’t setting aside reserves for your LTC bills, nor do any of the health care proposals contain new LTC benefits.

As an experienced independent agent, educated and certified in LTC, I provide a unique insight into the LTC industry.  You’ll hear why the government won’t pay for your LTC.  You’ll see all the available insurance options and who offers them. You’ll learn how claims are paid, especially for the variety of Home Care situations!

No one company is best for everyone. To find the right plan for you, take advantage of the services and companies I offer. 

--Terry Fremuth, CSA, CLTC