Senior Living Insurance

Senior Benefits Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Senior Benefits Insurance Quote Form

If you own or operate a senior living facility such as a nursing home, assisted living facility, or retirement apartment community, you need a specialized insurance policy to cover both property damage and liabilities that could be experienced on your premises.

Liability Insurance

Your senior living facility should be protected against claims of physical and sexual abuse of the residents. This protection can be provided through both general and professional liability policies. For specialists working on site, consider professional liability that covers their unique responsibilities.

The residents aren't the only source of liability you might have. You should also consider liability insurance policies that protect your facility against claims made against you by your employees. Employment practices liability insurance will protect you against claims of unfair employment practices such as discrimination. Another insurance protection to consider is workers compensation insurance, which will allow you to provide for the expense of ongoing medical treatment and wages lost when an employee is injured at work.

Property and Auto Insurance

The structure of your facility, as well as the contents inside, can be protected through a property insurance policy. This will cover damages caused by certain hazards such as fire and theft. If your facility is in a flood zone, you should consider adding flood insurance since that is not covered in a standard property insurance policy.

When employees or volunteers of your facility operate a vehicle to transport the residents or for any other work-related purpose then an auto insurance policy is necessary. This will not only protect the vehicle itself but will also provide bodily injury and property damage liability coverage in the event that another individual is damaged by the motor vehicles or its operator.

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily

Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because generally Medicare and most private health insurance pays only for skilled care–not custodial care.

Medicare Coverage and LTC Insurance
Medicare is a federal health insurance program administered by the Centers for Medicare and Medicaid Services, a division of the U.S. Department of Health and Human Services, for those who are 65 or older or certain people with disabilities. At DP Insurance Brokers, we are able to provide all parts of this coverage to the residents of Atlanta and surrounding areas throughout Georgia.

Why do I need Medicare?
Medicare can provide the necessary coverage for people age 65 and older, people under age 65 with certain disabilities, and people of all ages with kidney failure requiring dialysis or a transplant. This coverage ensures you will be covered for the costs of specific services you may need if you fit into this demographic.

Medicare Coverage Options
There are four different parts of Medicare that are important to understand. Our team of agents are able to sit down with each customer individually to determine what would best suit their needs.
 

We are able to provide the following parts of Medicare Coverage:

Medicare Part A
Part A covers inpatient hospital care (free for most American Citizens), stay in a nursing facility, hospice care, and some forms of home health services.

Medicare Part B
Part B covers certain doctor’s visits, outpatient care, medical supplies, and preventative services. This year from October 15 to December 7 you will be able to change your plan if you are on a Medicare Advantage Plan. There are a few other special enrollment periods throughout the year so please call us to see if you are eligible.

Medicare Part C
This part gives us the ability to provide you with both Parts A and B, along with the Medicare Advantage Plan which includes the following:

Health Maintenance Organizations
Preferred Provider Organizations
Private Fee-for-Service Plans
Special Needs Plans
Medicare Medical Savings Account Plans
Medicare Part D
Part D allows us to add prescription drug coverage to some other parts of Medicare coverage.

Personal and Financial Protection for the Long Term
 
For most Americans, a traditional Life and Health Insurance package is enough to keep themselves and their families insured, but for many, additional coverage is required. At D.P. Brokers Insurance, we offer extensive coverage options that can insure the care of those who need it most.

Long-Term Care Insurance (LTC) helps provide for the medical expenses of extended home health care or nursing home costs beyond a specified period. In general, individuals who require Long-Term Care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance.

The costs of Long-Term Care can be quite expensive, and are typically not covered under basic Health Insurance, Medicare, or Medicaid. Long-Term Care Insurance from D.P. Brokers Insurance can protect your family’s financial future by providing valuable coverage benefits for costs associated with:

Home Care
Assisted Living
Adult Daycare
Hospice Care
Nursing Homes
Respite Care
Individuals looking to purchase Long-Term Care Insurance must meet certain conditions in order to qualify for benefits. Talk to an insurance professional with D.P. Brokers Insurance to learn more about Long-Term Care Insurance and whether you should add it to your current policy.

What you can expect from us
We understand this is a complicated process for those who are not familiar with Medicare Coverage. Our team is willing to work with you on an individual basis to create the best plan to fit your insurance needs.