An ACE score is a tally of different types of abuse, neglect, and other hallmarks of a rough childhood. According to the Adverse Childhood Experiences study, the rougher your childhood, the higher your score is likely to be and the higher your risk for later...
Everyone remembers that they need health and auto insurance but what about Long Term Care coverage? For most of us it falls far down on our “to do” list, if it even makes it on the list. But have you considered how you’ll pay for Long Term Care when you need it?...
Are you considering NPFBA Long Term Care coverage? Stop procrastinating! Every year you wait equals an increase in cost for coverage. Take for example, John Smith who knows that he needs long term care coverage when he’s older but is only 35 now. John thinks...
Nursing Home Care Covers inpatient room and board, supplemental services, and patient supplies. You are eligible when you can’t perform 3 or more Activities of Daily Living (ADLs). Refer to Glossary page for Activities of Daily Living. Residential Care...
On April 20, 2006, Sean Simonson, a City of Milpitas firefighter, flew over the handlebars of his mountain bike and landed on his head. Sean’s accident injured his spinal cord and changed his life forever when he became a quadriplegic (someone with limited or no...
As the cost of healthcare continues to rise, Long Term Care (LTC) coverage becomes an increasingly important component of every American’s safety net. Traditional health insurance doesn’t cover most LTC services. State and Federal programs only cover...
