Confused About Long Term Care? »

I’d like to clear up a few misconceptions about LONG TERM CARE! WHAT IT IS AND WHO PAYS FOR IT!


Long Term care is attention to the details of your well being by another person when you are unable to perform normal activities of daily living. This impairment may be physical or mental. 

We’re hearing more and more about facilities popping up to provide several levels of care, from independent living to total confinement and personal care. When shopping for an appropriate facility there are many issues that should be addressed. Here are a few. . .

  1. Does the facility appear more interested in touting the amenities than the needs of the residents?
  2. Give special attention to the demeanor of the residents as well as the attitude of the caregivers.
  3. Ask to see the sleeping quarters as well as the public areas.

When the time comes that you can no longer live independently, be sure you have done your homework ahead of time.

Not wanting to burden our children with this task, be sure you make your wishes known before the time comes when you are unable to make those important decisions for yourself.

 As an insurance agent I sometimes have the privilege of insuring employees of facilities and am often impressed with the compassion of the staff. I personally applaud them for their patience with the frail of body and mind.


Long Term Care is NOT funded by Medicare.

 The purpose of Long Term Care Insurance is to protect your assets which can quickly be depleted should Long Term Care be required.

 This is Billie Jo Cravello. I can help you, call me at (805) 928-7372

Cravello Insurance Services
411 E. Betteravia Road., Ste. 102 Santa Maria, CA 93454

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