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About us

This website is brought to you by George A. Mellendorf, LTCP and president of Central States Financial Services, Inc.

George is a Long-Term Care Insurance marketing and sales specialist who is currently licensed in all 50 states.


What is Long Term Care?

 

Long term care can be broadly defined as care provided by another party for the benefit of those who are unable to care for themselves. Generally, long term care refers to the personal care and other related services provided on an extended basis to people who need help with certain Activities of Daily Living (ADL's) or who need supervision due to severe cognitive impairment such as Alzheimer's Disease. Care can be provided at home, in the community, in an assisted care facility or in a nursing home.

The need for long term care can happen in an instant or gradually as a person's health declines. Some of the reasons for receiving long term care include: chronic disease, prolonged illness, injuries sustained as a result of an accident, disability, or cognitive impairment such as Alzheimer's Disease that limits a person's ability to think or reason.


Who pays for it? 


Since the passage of the Health Insurance Portability and Accountability Act (HIPAA) in 1996, it is now clear who is primarily responsible for paying for long term care: YOU.

Long term care services aren't adequately covered by most types of insurance, or governmental programs including Medicare and Medicaid.

  • Most private medical and major medical insurance plans do not cover long term care.
  • Medicare generally covers some nursing home care, but only for a limited time.
  • Disability insurance only replaces lost income.
  • Medicaid pays only for nursing home care after you have spent most of your assets.

That's why many Americans are looking at long term care insurance.

To learn more about Long Term Care, you can visit the following link:

A Guide to Long-Term Care Insurance - Provided by America's Health Insurance Plans.

 

 

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This website should be considered an advertisement, not a contract. The intent of this website is to gather information from the inquiry request and then contact the consumer to go over their specific needs.

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George A. Mellendorf, Central States Insurance Services, Inc. is a licensed and authorized representative of Genworth Life Insurance Company and in New York, Genworth Life Insurance Company of New York. Administrative office in Richmond, Virginia. For more information about the Genworth Financial companies go to www.genworth.com/answer.