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780 NW Le Jeune Road, Suite # 626, Miami, FL. 33126
Tel. (305) 443-1177    Fax. (305) 443-0826

For more information on any of our services, please write to us at:

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In the United States today, long-term nursing care costs $36,000 or more per year, depending on where you live and whether you receive care at home or in a nursing home.

Unfortunately, despite what many people think, Medicare doesn't pay for these expenses. Medicare only pays for skilled nursing care for a limited number of days if you continually meet stringent requirements. Skilled nursing care has a very specific meaning, and does not include the ordinary custodial care that many older citizens require. Furthermore, Medicaid is only available if you're first willing to "spend down" your financial resources to poverty level to pay what you can of your nursing care bills.

This leaves you with three (3) choices:

You can be rich, in which case you won't need to worry about what nursing care costs, or
You can be poor, in which case Medicaid will pay for your nursing care costs, or
You can be insured, in which case an insurance company will pay your nursing care costs.

Long-term care is insurance coverage that covers all types of long-term nursing care-both in your home and in a nursing home. Whether you get it for yourself, for your spouse or for an aging parent, Long-term care will shelter the assets that you have accumulated over a lifetime from the ravages of long-term nursing care costs.

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