The average American is living longer. While this may be a great thing, it may also mean needing long term care during your 'golden years.' As a senior citizen in this day and age, you have many options that were not available to seniors in years past. To read an insurance industry article on new care options for senior citizens, click here.

If you are a senior citizen worried about long term care, you may be asking: What will Social Security pay? What does Medicare cover? How will this effect my personal assets? How will it impact my family? Will I get the type of care that I want and need? How will I pay for long term care if and when I need it? How does this affect my estate planning? Click here for answers to these questions.

With today's low unemployment statistics, good employees are hard to locate, and difficult to keep. If you are an employer, your questions may include: How do employee benefits effect the type of employees I can hire? How can I retain the employees that I have invested time and effort in training? What health care can I provide that will be cost effective? Group health insurance can improve your employee retention rate! Click here for information on the newest, most flexible group health plan available in California.

World travel is exciting ... and can bring the unexpected. To learn more about medical and life insurance for your next trip abroad, click here.

Often, people try to sell you what they have. As an independent insurance agency, Whitfield & Associates is in a position to ask what you need, and then locate it for you. As we see it, part of our job is to help you ask the right questions, find the right answers, and then locate the product that will suit your situation.

With over twenty years of experience in this field, we have accumulated detailed information on the system as it exists, and as it effects you. Some of that information is offered on these web pages. More detail is available by request, and we do invite you to ask!

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Cost of Drugs

Older Americans are paying twice as much for their prescription drugs as they did in 1992.
Prescription drugs now account for about 10% of seniors' health costs and will probably rise 13.3% in 2010.
---Families USA

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Doctors 'mistake dementia in elderly'

Doctors could be misdiagnosing thousands of elderly people with dementia because they are confusing the condition with the side-effects of many common medicines.
--BBC News
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Malnutrition risk for dementia sufferers

Up to 500,000 people with dementia in the UK may be at risk of malnutrition, according to the Alzheimer's Society.
--BBC News
Full Story

Physicians' Group Urges Doctors To Drop Out of Medicare

A doctors’ group is urging its members to drop out of Medicare, saying the program leads only to "lousy care, delayed care or even death." The group cited "incomprehensible government regulations" and government threats to prosecute doctors for alleged fraud.

Long term care insurance (LTC), group health insurance, individual health insurance policies ... Whitfield & Associates Insurance Services are pleased to offer the best insurance policies available in California today. Senior citizens questioning their Social Security benefits, the amount that Medicare will pay for prescriptions, how long term care expenses will fit into their estate planning and other LTC questions can find answers here. Prescription coverage alone can make Long Term Care insurance policies a powerful estate planning tool.

Employee benefit plans are an important part of keeping good employees. We offer the best of the standard group health insurance plans as well as the innovative, new CaliforniaChoice group health insurance program. The right group health insurance plans can make the difference for your employee benefit package.

Individual health insurance plans can make the difference in your estate plan. Insurance coverage for major medical bills can insure that you get the care you need. If you are not covered by group health insurance in your employer benefit program, be sure to protect your estate with individual health insurance from Whitfield & Associates Insurance Services.

Traveling or living internationally? Free quotes on travel insurance are available here. Simply click on the banner to learn about the protection that travel insurance offers for your trip abroad.

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