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When most people think of insurance, they probably only think of health and life, but never consider long-term care or disability insurance. Unfortunately, the unexpected can happen at any time and without the right plan, costs can become a burden on you and your family. This is why a long-term care plan and disability insurance are extremely important. Not only is it a shield that protects you from unavoidable situations, but it also gives the peace of mind of knowing that your family is protected.

Disability and / or long-term care insurance can be used for a wide variety of services by an individual who has been determined disabled by an accident or a prolonged illness. It is also very useful for the elderly who suffer from a disease such as Alzheimer's or Parkinson's.

Here's how it works: once the person has been recognized as a “dependent,” they can use their long-term care and disability insurance to cover all the costs associated with their care. To qualify as a “dependent,” a BMI Care Coordinator will visit the residence and perform an assessment based on six criteria: bathing, dressing, feeding, toileting, continence, and mobilizing. If the person is unable to meet two of these six criteria without assistance, they qualify as "dependent." After this, the Care Coordinator will work to design a Plan of Care and after a short waiting period, the insurance will begin to pay the costs on a regular monthly plan.

BMI currently offers three levels of long-term care and disability insurance under the Platinum plan. These include Qualified Custodial Care, Intermediate Custodial Care, and Basic Custodial or Home Care Care. Each of these plans provides options for your care as well as financial stability when you need to use your plan.

Life is uncertain and it can throw you a curve when you least expect it. With a solid long-term care plan and disability insurance, plus good health and life insurance, you can rest assured knowing that you are prepared for any eventuality. At BMI, we offer you a variety of options and solutions for all your insurance needs and we work with you to find the policy that works best for you. With long-term care and disability insurance you won't have to worry about your care or be a burden to your family.

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