Bankers Life & Casualty Company
I recently had the opportunity to sit down with Perri Behar, Unit Supervisor Insurance Sales for Bankers Life & Casualty Company, at their Laguna Hills, CA office. Bankers Life is a 139 year old
Fortune 500 company that specializes in seniors and offers several types of product that directly impact our aging population. These include Medicare Supplements, IRAs, Annuities, Short Term and Long Term Care Insurance policies. Our discussion focused Long Term Care Insurance (LTCI). LTCI is designed to cover the costs of non-medical personal care in a variety of settings including your home.
As we age, we often require increasing levels of assistance with our activities of daily living (ADLs). These include help with bathing, dressing, walking, medication reminders, and others. In order to access this type of help one either needs to live in a facility that supplies assistance or contract the services of a home care agency such as ours to bring these services into their home. The vast majority of people would prefer to stay in their homes as long as possible. Home care services allow them to do this and LTCI helps cover the costs. The cost for LTCI is lower the younger you are when you buy the policy. The average age when people buy LTCI is fifty.
According to Perri, getting people to understand the benefit of LTCI is one of her biggest challenges. Perri shared a story with me about a client who wanted to buy a policy for herself after her husband had died because she did not want to be a burden to her children. When her daughter heard she was planning to buy the policy she called Perri to cancel the policy citing that her mom didn’t need the added expense. Her mom went ahead and bought the policy anyway. Six months later she fell and broke her hip and she was able to draw benefits to help her while she recovered from her accident. Upon learning that her mom had the policy, her daughter called Perri to express her gratitude. Raising awareness is an ongoing effort and Perri goes to great lengths to help educate and inform people including events at churches, community centers, conducting seminars and meeting with groups of people in neighborhoods and individually in their homes. I would encourage everyone to call Perri to learn more about this valuable coverage.
Bankers Life & Casualty Company
23332 Mill Creek Dr. Ste 125
Laguna Hills, CA 92653
Office: 949-454-2104
Direct: 949-510-6519
Bankerslife.com
Contact: Perri Behar
Title: Unit Supervisor Insurance Sales
949-510-6519
Perri.behar@bankerslife.com
If you or an aging loved one are considering home care in Laguna Woods, CA or the surrounding Orange County areas, please call us at 949-535-2211. We provide senior care services in Newport Beach, Costa Mesa, Huntington Beach, Irvine, Laguna Woods, Laguna Beach, Mission Viejo and surrounding areas of Orange County California. Contact us today to learn more.
