SBAC Member Discounts
5% Discount for any SBAC member company or individual that purchases Long Term Care Insurance through the SBAC Long Term Care insurance discount program with the guidance of Schmidt Financial.

Members purchasing LTC Insurance will receive a 5% discount when using Homewatch CareGivers to provide Home Care Services. Our services are typically paid for by their LTC policy. As such, we work to ensure SBAC members and policy holders receive all of their LTC insurance policy benefits.

Family members of SBAC members that purchase LTC Insurance from Schmidt Financial will receive a 5% discount on Homewatch CareGivers Home Care Services. Not just the policy holder but their parent and/or grandparents will benefit from the discounted service price.

5% discount will be given to SBAC Members and direct family members that use any Homewatch CareGivers Home Care Services.

The IMPORTANCE of Long Term Care Planning
With the aging of America long term care has become a national concern as roughly 70 percent of people older than age 65 will require some form of long-term care, according to the U.S. Department of Health and Human Services: That’s nearly 3 in 4 of all Americans.

Seventy-seven percent of Americans aged 30 to 65 think they should know more about LTCI than they currently do, according to a Long Term Care Cost Study published by Prudential. Again, that’s more than 3 in 4 of us!

The vast majority of care received at home and in long-term care facilities is not covered by standard insurance. Long Term Care insurance covers on-going care required by those unable to care for themselves at home or in a community. It is more important than ever for everyone, to understand and plan ahead for long-term care.

Most people first learn about long-term care when they or a loved one needs care. But then their options are often limited by an urgent need for care, not enough time to get the information they need, and not enough money to pay for the care. Planning ahead allows you to have more control over your future, including protecting the quality of life for you and your loved ones. Use this guide as your first step in planning for long-term care.

Health care costs are increasing 4-5% every year, leaving people vulnerable to the devastating costs of uninsured long-term care.

LTC is not just for the frail elderly at the end of their lives! 40% of people requiring long term care services are between the ages of 18-64 and can be utilized at home or a variety of settings.

Homewatch CareGivers Background
Homewatch CareGivers is a leading provider of in-home care services for people of all ages, including seniors and those recovering from medical procedures.

Our caregivers are triple-screened and continually trained and supervised by nursing professionals to provide reliable, compassionate, and highly skilled services in companion, personal and comprehensive care.

In-home care services are personalized for each client and provided with customized care plans.
The Homewatch CareGivers Northshore office is locally owned and dedicated to ensuring quality of life for clients and peace of mind for their loved ones.
Founded in 1980, Homewatch CareGivers is one of the largest and most respected in-home care companies in the US, delivering 3.6 million hours of service in 2010.