Long Term Care Insurance Specialist
Also Licensed In: KS, AZ
Texas Partnership Certified
Tel: (361) 579-9663
Kim Beckham, CLTC
Specializing in Long Term Care
Kim Beckham specializes exclusively in long term care planning for individuals and spousal/significant other discounts; executive carve out and employee/worksite applications providing underwriting concessions and group rates; tax qualified and state partnership plans where available.
Think you’ll never need long term care? Studies show that more than 60% of people over 65 will need some type of long term care. Think your private health insurance or Medicare will cover it? Most long term care services aren't covered by your health insurance, and Medicare only pays for very specific, limited care. Medicaid requires you to spend down nearly all of your assets to qualify for assistance.
Long term care planning can mean the difference between making care decisions based on quality and personal preference or based on costs. Without proper planning, loved ones taking on the role of caregiver can be faced with financial, emotional and physical stresses that can greatly impact their daily lives.
Kim Beckham, Your Texas Long-Term Care Insurance Solutions Specialist
Kim Beckham is a leading Texas long term care insurance agent with ACSIA Partners, one of the largest long term care insurance agencies in the nation, helping families prepare for the future through the expert advice of thousands of planning specialists.
Kim will work with you to help you determine your personal needs, based upon your health and your financial goals. If long term care insurance is right for you, Kim will help you find the best, most affordable policy for your situation.
Educated in long term care by “the School of Hard Knocks,” Kim initially faced the difficult realities of providing quality care during the last years of her parents’ lives.
Those experiences led her to become a licensed insurance agent in 1999, focusing exclusively on long term care insurance. Kim’s mission is to help other people’s families face the uncertain future knowing their own personal dignity and resources are protected. She strives to provide excellent service, helpful advice, and useful resources about long term care.
Kim is a native of Salina, Kansas. She earned degrees in education and taught in the public schools for fifteen years --- up until the time her parents’ health began to deteriorate. Her passion for teaching now helps many individuals educate themselves so that they can formulate their own plans to live in dignity, comfort, and independence.
A graduate of the independent CLTC Board of Standard’s Long Term Care Insurance certification program, Kim Beckham, CLTC, is committed to the profession of long term care planning. Kim is a member of the 3in4 Need More Association, the American Association for Long Term Care Insurance (AALTCI) and a Charter Member of the LTC Inner Circle. She volunteers with the Alzheimer’s Association and the Walk to End Alzheimer’s. Kim and her husband, Bear Beckham, have lived in South Texas since 1990.
Long-Term Care Planning Solutions
Term Care Insurance
Life Insurance & Annuities
Critical Illness Insurance
What is Long Term Care Insurance?
Traditional health insurance and disability insurance are not designed to pay for long term care services. Additionally, Social Security and Medicare do not pay for the costs of long term care. Private long term care insurance may be your best option to help cover the future cost of care. Below are some startling statistics about long term care in America.
Baby Boomer in South Texas
At the "young" age of 50, I purchased a LTC policy because I saw the benefit and had heard many elderly people and their families wish they had that option when deciding about non-medical care. At the time I purchased my LTC, the national average for caregiver services per hour was $25. I hadn't won a lottery nor had a wealthy relative leave money to me so....
My reasons were pretty simple. I wanted to be taken care of on my own terms as much as possible and as long as possible without breaking the bank. I did not want to burden my children and their families with any expenses for my care when needed.
I am so glad I made that purchase then. As it worked out, less than 8 years later, I am no longer health eligible to purchase a policy. It is a small sacrifice to pay now, but I know it will be worth the peace of mind later.
Home Health Care Professional
Unfortunately I have seen too many people whose lives have been negatively affected by progressive illness, aging, or tragedy when LTC insurance has not been in place. I preferred to lighten the burden on my children and grandchildren by taking responsibility now. Kim is very knowledgeable and a great resource.
Dianne from Corpus Christi, Texas
Kim is a terrific agent who told me years ago... "You're not getting any younger, Dianne, and it won't get any cheaper!" After seeing my mother's assets depleted paying for her Alzheimer's care, I realized it was the smartest thing I've ever done!
Cynthia A. Jennison
Kim, thanks for your help in going through the steps, your care in explaining the policy choices and implications, and your advice on long term care needs. You made it easy to understand and negotiate. Thanks!
Kim is impressively knowledgeable about the field of Long Term Care (LTC) Insurance. She educated me and helped me to find the type of policy that would meet my needs. Having dealt with several other LTC agents, I can tell you how exceptional Kim is in both her expertise and in her willingness to go the many extra miles to provide the very best for her clients. If you are considering Long Term Care insurance you could not do better than to purchase your insurance through Kim Beckham. Her level of service is beyond compare.
Contact Kim Today!
Contact Kim Beckham, a Texas Long Term Care Insurance agent and specialist at (361) 579-9663, or complete the Request for Information form below to see if LTC insurance is right for you.
Partners is one of the largest long term care insurance agencies
in the nation, helping families prepare for the
future through the expert advice of thousands of planning specialists.
Elder Options of Texas
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