Alicia Desio
Alicia DeSio is a Life and Long Term Care Insurance Specialist representing the top insurance providers. Since 2004, she has helped individuals and small businesses evaluate the risks associated with, as well as the potential consequences of extended long term healthcare. Her specialty is in designing and customizing affordable life and long term care insurance strategies that help families protect retirement assets and life savings while allowing for the preservation of independence and decision-making for those in need of extended care, and their caregivers.
At least 70% of people over 65 years of age will require long term care services at some point. The numbers are staggering. Americans needing long term care will more than double from 12 million today to 27 million in 2050. It is one of the most important components of your life plan.
Statistics and numbers aside, the need for long term care planning is not going away. The idea of ignore it, “think about it later” or “that will never happen to me” is really not the answer. Later is now, because you will never be younger or healthier and any future change in health could limit or eliminate your options.
She works closely with CPA’s, financial advisers and estate planning and elder care attorneys helping educate and motivate both individuals and business owners on the financial viability and tax advantages of proper long term care planning. She is certified to provide workshops and group talks for community organizations and retirement planning audiences.
This is Alicia’s second career. Her first career was in the Allied Health field of Prosthetics and Orthotics where she witnessed the consequences of families who had not planned for the long term effects of a change in health. She also witnessed firsthand these consequences as she was a caregiver to her parents.
With the rising cost of long term care, it is important to understand your options. Traditional health insurance and Medicare were not designed to cover the long term care costs that many Americans will face. Medicaid may be available, but only after you have spent down your assets.
Five Reasons Why People Buy
Long-Term Care Insurance
- BURDEN TO FAMILY: Taking care of people who are chronically ill, can make the caregiver chronically ill. Long term care insurance allows children to maintain their relationship with their parents by helping supervise their care, rather than providing that care.
- ACCESS TO QUALITY CARE: People want access to quality care
at home or at places of their choice, with caregivers of their choice.
- ASSET PROTECTION: For those with assets, there are two ways you can pay for long term care – your retirement portfolio or long term care insurance.
- CONTROL AND INDEPENDENCE: People want control and independence choosing where they live and the kind of care received.
- PEACE OF MIND: Long term care doesn’t bring families together, it tears families apart. Long term care insurance brings families together and provides peace of mind.
