Disability Insurance

You lose a key employee to a disability. This highly compensated individual is part of a team taking your company to the next level. A disability could be devastating to the financial, professional, and lifestyle goals of an executive. As an employer, you want to minimize the effect of both the cost of coverage of executives and the effect of the disability on the company. Being prepared can make a big difference.

Employers must weigh their choices carefully, balancing cost and administration burdens with adequate coverage and return-to-work incentives. There are these and many other factors to consider, and our firm is prepared to help you find the right protection for you and your executives.

Long Term Care

The financial implications of a chronic disease or other debilitating condition that requires Long Term Care are great. From walking and eating, to bathing and dressing, these are the activities that allow a person as they grow older or cope with a chronic illness, to preserve as much of their lifestyle, independence, and flexibility as possible. Long Term Care provides the care required for someone needing assistance with their usual daily activities, on an occasional or full-time basis.

Diagnostic, therapeutic, preventive, and rehabilitative services all have their place in a comprehensive Long Term Care program. The primary focus of long term care is, however, on the personal care and maintenance that will preserve daily independence and dignity over an extended period of time. While it is difficult to anticipate and plan for long term care needs because so many factors are involved in the decision making, we are prepared to help you find the right solution for any Long Term Care dilemma you may anticipate.

To learn more about disability insurance and Long Term Care, please contact us.