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Why choose us as your provider?

California Long Term Care Insurance Services, Inc. – A Company You Can Trust – LIC#OE67705


California Long Term Care Insurance Services, Inc./ Northstar Network Insurance Agency, Inc Serving consumers, businesses and associations nationwide. Headquarters in Burlingame, CA

 

At California Long Term Care Services, Inc. / Northstar Network Insurance Agency, Inc. our mission is to help people retain their sense of control, dignity, and independence as well as their financial assets, in the event they become sick or injured and need long term care.

 

  • We help make long term care insurance plans easy to understand, explaining the best options available for your individual situation.
  • We help you to avoid buying insurance options you don’t need.
  • We specialize exclusively in long term care insurance.  (We don’t sell other insurances; just long term care).
  • We provide customized coverage from only the industry’s premier insurance companies, who will be there when you need them.

 

Contact us for a no fee, no obligation long term care insurance analysis.

 

 

What are the risks of not having LTC insurance?

What are the risks of not having LTC insurance?

 

You may be questioning the value of paying long term care insurance premiums.  So, we ask you to consider the following commonly asked question.

 

QUESTION:  What’s the risk of having no long term care insurance coverage?

ANSWER:  Everything you own.

 

THE COST OF NURSING HOME CARE IN CALIFORNIA

In 2010, nursing home cost averaged about $230 a day ($83,950 a year) in California.  In metropolitan areas, the costs of a nursing home can exceed $100,000.

The odds of needing care are high.  70% of people over age 65 will need some nursing care before they die and the average stay in a nursing home is 3 years.  That is about $251,850 in today’s dollars.  What will it be by the time you need care?

 

THREE WAYS TO PAY FOR LONG TERM CARE   

 There are 3 ways to pay for long term care:

  1. Private Pay
  2. Medi-Cal
  3. Long Term Care Insurance

 

PRIVATE PAY – Not too many families can bear the brunt of $85,000 – $100,000 per year to pay for a nursing home.  Double these expenses for a couple and add at least 5% per year for inflation.

 

MEDI-CAL – You have to be poor to qualify for Medi-Cal. It’s an important program, but to qualify you have to be impoverish.  In addition, because of budget constraints, Medi-Cal benefits are likely to be cut in the future.

 

LONG TERM CARE INSURANCE – Long term care insurance pays for care in your home, in an assisted living facility, or in a nursing home.  You get to pick where you want to be.

 

A WORD ABOUT MEDICARE – There is a common misconception that Medicare pays for long term care. It does not. Medicare only pays for short term, rehabilitative care, following a three-day hospital stay, with restrictions.

You cannot count on Medicare to pay for long term care, so we don’t even list it as a method of payment.

 

RISKS

The risk of Not having a long term care plan from a financial perspective is that you lose everything.

From a personal perspective, without a long term care plan, you may become impoverished, have no control over where you receive care, and place a insurmountable burden on your family.

 

Is it wise to cover this entire risk yourself or to share the risk with an insurance company, costing pennies for the dollars saved?

 

 

What is Long Term Care Insurance?

What is Long Term Care Insurance?

 

Long term care is defined as the care that is required when an individual has a chronic (i.e. long term) illness or injury and needs help from others in order to live.

 

In addition, long term care may be required due to cognitive impairment. For example, an individual may need assistance in order to bathe, dress, eat, toilet, or transfer.

 

Long term care insurance pays for care at home, in an assisted living facility, or in a nursing home.

 

Why do I need Long Term Care Insurance?

Why do I need Long Term Care Insurance?

 

The high cost of long term care is a serious risk to our financial and emotional security and to our families.

 

THE FINANCIAL COSTS

 

Although Americans are living longer and longer, the chances of needing long term care support are high and the cost is great.

 

  • 70% of people over the age of 65 will need care.
  • The average stay in a nursing home is 3 years.
  • California nursing homes cost about $251,850 for those 3 years.

 

While there have been significant advances in medical technology and keeping people alive, treatment and prevention of dementia and related brain illnesses have not kept pace.  Many individuals need long term care support when they become a danger to themselves and others due to dementia.

 

THE EMOTIONAL COSTS

 

  • How much is it worth to know that your long term care will be paid?

 

  • How much is it worth to know your hard-earned assets will be protected?

 

  • How much is it worth to know that you won’t be a financial, physical, or emotional burden on your family?

 

The stress of taking care of a loved one for the long term has extreme emotional and physical costs for the caretaker.  Caretakers often get sick themselves.  These stresses can be minimized with long term care insurance so professionals are in place to provide care.

 

 

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Privacy Policy

CFCU Members Start Here!

Chevron Federal Credit Union (CFCU) is pleased to announce a new, comprehensive Long Term Care Insurance program available to members. The program’s national network of Long Term Care specialists can help you:

  • Evaluate if long term care planning is right for you
  • Get a comprehensive understanding of your options
  • Get specific quotes customized from multiple highly-rated insurance companies, often at a discounted price
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Fill out this form & Get started

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Quotes will be delivered by ONE expert agent who will help you select the most affordable policy that is just right for you.

" ... I have been grateful for the LTC policy during this time of my recovery…... " Read more…

Testimonials

“Dear Paul…Your call was a call that today has changed my whole life.  I never knew that I would have 5 surgeries in the next ten years.  Here is what I have taken from the insurance company in the last 11 years:  $112,000.  Thank you.”     Bill C, San Diego, CA

 

“Dear Rebecca…Marguerite’s stroke and wheelchair confinement has convinced us that the best decision we ever made was when we bought our policies.  The monies received have been a God send to us.”  Ray and Marguerite Benson, Marin County, CA

 

Dear California Long Term Care…Your agent was not at all “pushy” and seemed to believe he was selling a desireable and reputable product”  Mrs. Barbara B., San Diego, CA

 

Dear Louis…I have been grateful for the LTC policy during this time of my recovery.  It has made a more meaningful existence.”  Mary B, Berkeley, CA.

 

“Long term care insurance assures me that I won’t be a burden to my children.”  Nancy T, Petaluma, CA

 

“Long term care insurance is much more affordable that I thought.”  Thomas B, Marin County, CA.

 

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" ... Long term care insurance assures me that I won’t be a burden to my children.... " Read more…

Testimonials

“Dear Paul…Your call was a call that today has changed my whole life.  I never knew that I would have 5 surgeries in the next ten years.  Here is what I have taken from the insurance company in the last 11 years:  $112,000.  Thank you.”     Bill C, San Diego, CA

 

“Dear Rebecca…Marguerite’s stroke and wheelchair confinement has convinced us that the best decision we ever made was when we bought our policies.  The monies received have been a God send to us.”  Ray and Marguerite Benson, Marin County, CA

 

Dear California Long Term Care…Your agent was not at all “pushy” and seemed to believe he was selling a desireable and reputable product”  Mrs. Barbara B., San Diego, CA

 

Dear Louis…I have been grateful for the LTC policy during this time of my recovery.  It has made a more meaningful existence.”  Mary B, Berkeley, CA.

 

“Long term care insurance assures me that I won’t be a burden to my children.”  Nancy T, Petaluma, CA

 

“Long term care insurance is much more affordable that I thought.”  Thomas B, Marin County, CA.

 

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" ... Here is what I have taken from the insurance company in the last 11 years: $112,000. Thank you.... " Read more…

Testimonials

“Dear Paul…Your call was a call that today has changed my whole life.  I never knew that I would have 5 surgeries in the next ten years.  Here is what I have taken from the insurance company in the last 11 years:  $112,000.  Thank you.”     Bill C, San Diego, CA

 

“Dear Rebecca…Marguerite’s stroke and wheelchair confinement has convinced us that the best decision we ever made was when we bought our policies.  The monies received have been a God send to us.”  Ray and Marguerite Benson, Marin County, CA

 

Dear California Long Term Care…Your agent was not at all “pushy” and seemed to believe he was selling a desireable and reputable product”  Mrs. Barbara B., San Diego, CA

 

Dear Louis…I have been grateful for the LTC policy during this time of my recovery.  It has made a more meaningful existence.”  Mary B, Berkeley, CA.

 

“Long term care insurance assures me that I won’t be a burden to my children.”  Nancy T, Petaluma, CA

 

“Long term care insurance is much more affordable that I thought.”  Thomas B, Marin County, CA.

 

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" ... the best decision we ever made was when we bought our policies. The monies received have been a God send to us.... " Read more…

Testimonials

“Dear Paul…Your call was a call that today has changed my whole life.  I never knew that I would have 5 surgeries in the next ten years.  Here is what I have taken from the insurance company in the last 11 years:  $112,000.  Thank you.”     Bill C, San Diego, CA

 

“Dear Rebecca…Marguerite’s stroke and wheelchair confinement has convinced us that the best decision we ever made was when we bought our policies.  The monies received have been a God send to us.”  Ray and Marguerite Benson, Marin County, CA

 

Dear California Long Term Care…Your agent was not at all “pushy” and seemed to believe he was selling a desireable and reputable product”  Mrs. Barbara B., San Diego, CA

 

Dear Louis…I have been grateful for the LTC policy during this time of my recovery.  It has made a more meaningful existence.”  Mary B, Berkeley, CA.

 

“Long term care insurance assures me that I won’t be a burden to my children.”  Nancy T, Petaluma, CA

 

“Long term care insurance is much more affordable that I thought.”  Thomas B, Marin County, CA.

 

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Online Privacy Policy

 

Your Personal Information is Safe with Us

California Long Term Care Insurance Services, Inc. and North Star Network Insurance Agency, Inc. are committed to protecting the privacy of your personal information.  Your personal information is safe with us.

 

Your Personal Information is Used Only to Serve You

 

Non-Personal Information Anonymously Collected for Marketing Purposes

Like many companies, to learn how we can reach more people who may benefit from our long term care insurance services, we use Google Analytics to collect non-personal information such as which webpage visitors visited and which advertisements they clicked on.

All of this information is collected anonymously.  Your personal information is never attached to information collected for marketing purposes.

However, the actual IP address is never disclosed by Google; it’s used only to identify the country, state, and city of our website users.  This helps us know how our website is working and where to put our marketing dollars to reach people who need our services.

Here is a link to Google’s Privacy Policy: http://www.google.com/intl/en/analytics/privacyoverview.html

 

Updates to Our Privacy Policy

If it is necessary to modify our privacy policy, you will find those changes right here; if it is a significant change, we will post notice of the update on our home page.

 

How to Contact Us if You have Privacy Policy Questions or Concerns

Should you have any questions or concerns about the use of information collected on our site, please contact us via email at privacy@cltcinsurance.com.  We welcome your inquiry.

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