Hawaii, Long term care planning, Long term care insurance, ltc group benefits company, long term care options, financial planning, nursing home coverage, disability coverage, in-home coverage, home health care coverage, ltc planning, ltc agents, Honolulu

Kersten and Associates, Long Term Care Planning

Long Term Care Planning is a Necessity to Protect Against Financial Hardships from Nursing Home, In-home, and Disability Care Kersten Home About Our Long Term Care Planning Firm Get a Free Long Term Care Quote Order Free Long Term Care booklets Long Term Care Resources/Links

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family, friend, or coworker has to face the expensive burden of home care, day care, or nursing home costs, between 30% to 50% of us over 65 will need some form of long term care, 30% or more UNDER age 45 will require these services due to accidents or illnessMedical Care has one of the highest rates of inflation - 7.5% -- and climbing. The 2003 average yearly cost in Hawaii for quality Nursing Home Care is over $80,000 and with an average stay of 2.5-3 years, that means almost $240,000 of hard-earned assets consumed by these expenses.Medicare and Medicaid are not the solutions. Using retirement benefits or estate assets after years of planning and saving can actually cost the family much more in the end.We can help with your financial planning for long term care, nursing home coverage, disability coverage and home health coverage
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Kersten & Associates is a long term care planning firm in Hawaii. We work with a number of long term care insurance providers to help you protect yourself financially in case the need arises for coverage for nursing homes, in-home care, or disability. We can also help you protect your employees by assisting you with instituting long term care group benefits.

Kersten and Associates   900 Fort Street Mall, Suite 400, Honolulu Hawaii 96813 Phone (808)531-3137  Fax (808)261-2626 kerstenandassociates@live.com   > DISCLAIMER & PRIVACY STATEMENT    > CONTACT US  

Email your comments or questions about this web site to kerstenandassociates@live.com or call Mary Murphy at 808-531-3137 or from the outer islands, 800-440-3137. We recommend using Microsoft Internet Explorer or Netscape Navigator, versions 6.0 or higher. © 2009 Kersten and Associates. All rights reserved. For solicitation in the State of Hawaii.