highlights? ?? individual / group: medicare supplements (65+), retirees, long-term care? ?? short-term coverage? ?? worldwide coverage
   For assistance please contact Bett Martinez   |  phone 510.526.0312  |  well-being@pacbell.net 
Long-Term Care Protection  Group | Individual
What is Long-Term Care (LTC)? Long-Term Care includes a wide range of medical and support services for people with a degenerative condition (e.g., Parkinson’s, stroke, etc.), a prolonged illness (cancer) or cognitive disorder (Alzheimer’s). Long-Term Care coverage can help protect your assets, and the estate you’ve accumulated over your life, whatever you’d like your family to inherit.

LTC Insurance (LTCi) can cover many of the costs of care whether at home or in a facility. You must be healthy now to qualify for coverage, and the younger you are the more reasonable the premium.

“People need to prepare
before it’s too late.” 
– American Society on Aging

Whether your group is large or small – a sizeable company or a mom-and-pop shop – Bett will help you explore options for employee coverage. Insurance Solutions provides personalized and patient assistance, offering clear and detailed explanations about the variety of available plans, so that you can choose what’s right for your business. All major carriers are represented, including new offerings below for self-employed individuals.

TASC AgriPlan/BizPlan Section 105 Plans 
AgriPlan and BizPlan are medical pre-tax plans, specifically for self-employed individuals. AgriPlan/BizPlan is not insurance; rather, it is the benefit vehicle that allows self-employed individuals to pay for their medical expenses with pre-taxed dollars and turn 100% of their medical expenses into a full tax deduction for their business.

This plan is ideal for entrepreneurs who file as a corporation; they are able to offer this pre-tax medical benefit to themselves. If you are a sole-proprietor or an LLC and your spouse assists with the business, you would provide this benefit to your employed spouse (this is necessary because AgriPlan/BizPlan is considered an "employee benefit"). Besides allowing 100% of your family's medical premiums and expenses to be paid for with pre-tax dollars, the benefit is also a full tax deduction for your business.

Disability insurance pays you an income when you are unable to work because of an accident or illness. Your ability to work and earn money may be your most valuable asset. Contact Bett to help you evaluate your need for disability insurance and learn about the types of coverage.

Get help finding the best coverage for you. Comparing types of plans – term, whole life, etc. – can be mind-boggling, and in these uncertain times, it’s essential to know the track record and status of the company you are dealing with. Cheap may not be most reliable! Contact Bett to help lead you through the maze.

 Critical Illness
Critical illness insurance is medical insurance that pays a lump-sum benefit upon diagnosis of a critical illness or condition. A critical illness insurance payout helps you avoid the financial strain a major illness can create so you can focus on your recovery. It gives you the freedom to:
•  Get the treatment you want
•  Spend time with your family and friends
•  Keep your home and other assets