Our company
is family owned and operated. we have been in business since 1962 and try to do the best possible job we can for our clients. the companies we represent are financially sound and have been in this agency for many years.

Our professionals
have extensive experience and knowledge in the products they offer as well as the expertise on how to use those products to provide maximum benefit and protection to the clients we serve. It is our commitment and desire to establish trust and a long lasting relationship with our clients. This commitment has served us well throughout the years. We take pride in knowing that our clients keep returning to us for advice.

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to our Web Site. We tried to provide the viewer with a basic understanding of some subjects we specialize in. If you have a need for our service, you can call or complete the form below.

What is Long-Term Care
Long-term care is the assistance individuals need when they are unable to care for themselves and need help with Activities of Daily Living (ADLs) - bathing, dressing, transferring, toileting, continence (control of bodily functions), and eating - or they have severe cognitive impairment such as Alzheimer's disease. The need for long-term care can result from an accident, chronic illness or short-term disability, or from advance age. Long term care can include a broad range of services, provided in any setting outside a hospital. It might be help with simple daily tasks like bathing or dressing. It might include skilled care in your own home, an assisted living facility, some other community resources, or a nursing facility.

Who Needs Long-Term Care

• In the year 2002 about seven million men and women over age 65 needed long-term care. (HIAA, "A Guide to Long-Term Care Insurance", 2002)
• By 2005, the number will increase to nine million. (HIAA, "A Guide to Long-Term Care Insurance", 2002)
• By 2020, 12 million older Americans will need long-term health care. (HIAA, "A Guide to Long-Term Care Insurance", 2002)
• Family and friends are the sole caregivers for 70% of elderly people and most will cared for at home. (HIAA, "A Guide to Long-Term Care Insurance", 2002)
• People age 65 or older face at least a 40% lifetime risk of entering a nursing home. 10% will stay more than five years. (HIAA, "A Guide to Long-Term Care Insurance", 2002)
• 22% of people over age 85 are in a nursing home. (HIAA, "A Guide to Long-Term Care Insurance", 2002)
• Women, because they outlive men, face a 50% greater likelihood of entering a nursing home after age 65. (HIAA, "A Guide to Long-Term Care Insurance", 2002)

Medicaid
Medicaid pays for health services for the very poor of any age. Qualifications for Medicaid vary by state, but generally the law says you must first spend down to the poverty level, using up all but about $2,000 of your assets. Being eligible for Medicaid does not guarantee placement in a nursing home. There may be long waiting lists for facility care. Depending on the state and facility, Medicaid patients often receive lesser-quality care than patients who are paying on their own. Under Medicaid, nursing home care is essentially the only option. Home care, assisted living facility care, adult daycare, outpatient services, and alternate caregiver services are not usually reimbursed under Medicaid.

Medicare
Medicare pays for health care for people 65 and over and for those who are disabled. Medicare does not pay for long term medical service such as assisted living or adult day care. Medicare pays only the first 100 days of skilled care, such as physical therapy or nursing, which only accounts for 5% of all long term care costs. You are eligible for the care only if you have been in the hospital for at least three days. The personal care must relate to the treatment of an illness or injury. Medicare pays 100% for the first 20 days and all but the first $95 per day for the next 80 days.

Medicare supplement insurance is a private insurance that helps pay for some gaps in Medicare coverage. Plans D, G, I, and J do pay up to $1,600 per year for services to people recovering at home from an illness, injury, or surgery.

Proudly serving Miamisburg, Dayton and the Miami Valley.

Jeff Nestor CLTC, CSA, LTCP
NESTOR INSURANCE AGENCY LLC
8 Mound Ave,
Miamisburg OH 45342

Phone #: 937-866-6138

Email: nestorins@sbcglobal.net
Web: www.nestorinsurance.com

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