Welcome!

Thank you for visiting our website. Our goal is to help you better understand Long-Term Care (LTC) and Long-Term Care Insurance (LTCI) and how Long-Term Care Insurance can help you protect your hard-earned assets.

We have organized pertinent information and interactive tools that will help you understand not only Long-Term Care but also the potential financial ramifications of a Long-Term Care need. We invite you to take your time and explore this information at your leisure, and if you have any questions, please feel free to contact us.

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A Note from
Joseph Ferrara, CLTC

We also offer competitive Medicare Supplements (including Part D prescription plans), Fixed Annuities, HSA's and Life Insurance.

New laws took effect on January 1st, 2010 with regard to funding Long-Term Care. Thanks to the Pension Protection Act, there are many more tax advantages using annuities and life insurance. Yes, Florida participates in the Partnership Program, allowing Medicaid Asset Protection.

Thank you once again for visiting our site. I look forward to assisting you in the near future. Please contact us to review what is best for you at 800-861-9757