LONG TERM INSURANCE SERVICES

Long term Care (LTC) is care that is needed when an individual is no longer able to perform the “Activities of Daily Living” (ADL’s).  Activities of daily living include eating, bathing, dressing, toileting, continence, transferring (ex. moving from a bed to a chair) or when substantial supervision is needed due to a cognitive impairment (thinking disorder).  Typically, long term care is chronic in nature and is needed for such conditions as Parkinson’s Disease, Alzheimer’s, or a stroke.

While long term care is usually needed later in life, younger people may also need LTC due to accidents of all sorts, including recreational accidents, or illnesses like multiple sclerosis.  Long term care can be provided in a variety of settings, including your own home, in an assisted living facility, a nursing home, or an adult day care center.  Most people who need care (about 80%), live at home, not in facilities.  

Contrary to what you may think, long term care services are not typically covered by any other type of insurance, including health and long-term disability insurance. Only long term care insurance policies cover the day-to-day assistance you need when you have a chronic condition, disability, or cognitive impairment. Having a LTCi policy in place not only protects assets, but perhaps even more importantly, provides you and your family with more options for quality care. You will have access to your preferred setting for care, plus the security and peace of mind knowing care will be paid for.

The biggest mistake people make is waiting to obtain coverage. Twenty-four hours from now, a change in health status could make it impossible to obtain Long Term Care Insurance protection. That’s why it’s smart to act before it’s too late. 

While Long Term Care Insurance has been, and continues to be our “primary” work, our reputation was instrumental in us being contacted in 2004 by a major Medicare Advantage (MA) Insurance Plan to help service their prospective members. Using our same philosophy of consumer advocacy, guidance, and education, we also assist individuals and families enrolled in Medicare understand their options and make appropriate choices about their health insurance coverage.

Because of our clinical nursing background and knowledge of both the health care and insurance industries, we provide a unique ability to help you make decisions that will profoundly affect your future health care needs. We are equipped with up-to-date knowledge and information, and are committed to quality, value, and helping you make decisions in your best interest.

About Dr. Gerry Angel

Dr. Angel holds dual licensure in both nursing and health insurance, serving as a consumer advocate to individuals, families, and organizations for her expertise in long-term care insurance and Medicare advantage plans. She has addressed multiple organizations on these subjects, published in consumer periodicals, and served on the State Secretary of Aging’s Long-term Care Council’s Consumer Advocacy Committee. She was a Board member of the University of Pittsburgh’s Center for Healthy Aging and is on the Duquesne University School of Nursing Alumni Board, belongs to the American Association of Long-Term Care Insurance, the Southwestern Pennsylvania Partnership for Aging, and U.S. Congressman Tim Murphy’s Health Care Task Force Advisory Committee.

GERRY ANGEL, RN., Ph.D.
Consumer Advocate & Specialist,
Long-Term Care Insurance & Medicare Advantage Plans

Long Term Insurance Services
111 Abington Drive
Pittsburgh, PA. 15216
Phone: (412) 563-1416
Fax: (412) 561-4241
Cell: (412) 559-2554

Website: www.gerryangel.com
Email: LTC@gerryangel.com