A Texas Long-Term Care
Texas State Lic # 1060128
Licensed In: AZ, KS, MI, MO, NE, OK, TX
Tel: (361) 484-0851
Think you’ll never need long term care? Studies show that more than 70% 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.
Startling statistics about long term care in America.
It might be hard to imagine now, but chances are you’ll need some help taking care of yourself later in life. The big question is: How will you pay for it?
Buying long-term care insurance is one way to prepare. Long-term care refers to a host of services that aren’t covered by regular health insurance. This includes assistance with routine daily activities, like bathing, dressing or getting in and out of bed.
A long-term care insurance policy helps cover the costs of that care when you have a chronic medical condition, a disability or a disorder such as Alzheimer’s disease.
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. Hense, long-term-care insurance.
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.
The duration and level of long-term care will vary from person to person and often change over time. Here are some statistics (all are “on average”) you should consider:
Kim Beckham, CLTC
Certified Long-Term Care Insurance Specialist
CLTC stands for "Certified in Long-Term Care," a designation granted by the Certification for Long-Term Care. CLTC graduates have completed a rigorous multidisciplinary course that focuses on the profession of long-term care planning.
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.
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.
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
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.
P.L. from Texas:
“Many years ago we met Kim Beckham.
At the time, we did not realize what a blessing this would turn
out to be. Kim was just a very nice saleslady selling Long Term
Care Insurance. We were in our middle years at the time, but
even then we could not imagine the need we would have as we grew
old. I am now 85 and my husband is 87. Due to unexpected care
needs about 5 years ago, we did need this protection. Due to
many options in purchasing insurance, Kim guided us in the
perfect direction. Over the years since we met Kim, she has
become a dear friend to our family. I know that even today I
could call her for advice, & Kim will never know how very
grateful we are for her honesty & caring attitude. She is a
great saleslady, but even better, a cherished friend.”
Contact Kim Beckham today at (361) 484-0851 and let her help you determine if long-term-care insurance is right for you or complete the Request for Information form below.
ACSIA 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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