Long Term Care Insurance

Too often, long term care conversations come far too late for families, which leaves them scrambling for option and resources when a loved one has a Long Term Care event.

Planning ahead for potential Long Term care needs are crucial to protecting a family’s financial, emotional, and physical health.

Caregiving Shortage Has Already Started a Steep Decline:

By 2010, 7.2 potential family caregivers for each person age 80+
By 2030, the ration will fall to 4 caregivers to 1
By 2050, the ratio will fall to 3 caregivers to 1

Nursing Home Costs Rising:

The cost of nursing home care increases by 4.5% annually
The average cost of a one-year stay in a nursing home will increase *By 2014, the cost is estimated to be $81,000 *By 2030, the cost is estimated to raise to $146,000

Who Will Pay for Long Term Care?

Not Health Insurance
Not Medicare
Medicaid – Only in limited Circumstances

Have a Question? Licensed agents are available to answer your questions on what coverage is best for you.

(800) 446-2663
8 AM – 5 PM PST, M-F

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Monthly E-Newsletter and Benefit Advisor

We scour the web for straight-forward articles from reputable third-party sources (such as Kaiser, The Wall Street Journal & more) that address how the various topics of health care can have a direct impact on our clients. The newsletter includes several columns on current health news, health events and recognized health days. We send these directly to our clients.

We utilize both Facebook and Twitter to keep our clients and Associations up to date on the most important developments in the health care marketplace and to communicate topics of interest that can have a direct effect on health and health care coverage.

*The E-Newsletter can be copied & pasted for inclusion on Association websites and/or electronic correspondence to Association Members.

Employer Groups

The health insurance marketplace is very dynamic and constantly changing. The Benefits Store utilizes the latest options in program design to meet both your budget and your employee’s health needs. We partner with technical online platforms (including Quotit) for fast turnaround and enrollment in the bidding cycle.

Covered California

Benefits Store and California’s Health Exchange – Covered California (Covered CA)

Our firm has multiple Brokers that have successfully completed the Covered CA licensing requirements and are certified to assist consumers with the navigation and enrollment process into California’s Health Exchange. The process can be complicated for consumers doing this on their own, as well as choosing the best plan for themselves and their family. Since there is no discount/price savings for clients enrolling on their own, it is usually advisable to have assistance from a Benefit Store Broker in this process.

We have a dedicated section that is an educational and information resource for individuals needing clarification on Covered CA issues for the self-employed and small businesses. It addresses many of the questions we have been getting from Californians and even provides a subsidy calculator. Go to the Covered California page.