Financing Option	Only Available for Long Term Costs?	Remaining Funds Available to Heirs?	Rate of Asset of Accumulation?	Eligibility Requirements	Risk of Insufficient Funds	Cost to You
Long Term Care Insurance	Yes	No	Fixed	Yes	Moderate - Low   LTC costs could exceed original coverage amounts	Monthly premiums for the life of the policy
Limited Long Term Care insurance	Yes	No	Fixed	Yes	Moderate - Low   LTC costs could exceed original coverage amounts	Large one-time or short-term monthly premiums
Personal Savings	No	Yes	Variable	No	High   LTC costs could exceed your personal savings	You are responsible for creating the personal savings as well as all LTC costs
Life Settlement	Yes	No	Fixed	Yes	Moderate - Low   Amount recieved from benefit may not cover all LTC costs	None
Viatical Settlement	Yes	No	Fixed	Yes	Moderate - Low   Amount recieved from benefit may not cover all LTC costs	None
Accelerated Death Benefit	Yes	No	Fixed	Yes	Moderate - Low   Amount recieved from benefit may not cover all LTC costs	None
Reverse Mortgage	No	Yes	Variable	Yes	Moderate   Amount recieved may not cover all LTC costs, and home maintenance costs still exists	Processing and origination fees to establish mortgage
Veterans Benefits	No	No	None	Yes	Moderate - High    Amount recieved may not cover all LTC costs	None
Medicare	No	No	None	Yes	Moderate - High   Amount recieved may not cover all LTC costs	Co-Payments and Deductables
Arizona Health Care Cost Containment System	No	No	None	Yes	Moderate - Low   Amount recieved may not cover all LTC costs	You pay only for services not covered by AHCCCS

 

 At Sellner Home Care we assure you that there is a Care Package and Price Plan that fits your needs, as well as your wants. With our Price Promise we will work directly with you in finding a comfortable monthly fee that fits your individual budget. Any of our standard price plans may be amendend to fit your needs.

Please contact us to discuss your options.