LA County firefighters face serious risks on the job and are at higher risk of needing long-term care as they age. By offering access to long-term care insurance the LA County Fire Department not only ensures they have access to affordable care and rehabilitation services should they need it. It also helps with employee retention by giving firefighters the sense of security they deserve. Long-term care insurance does more than just provide coverage for nursing home care. The Customized policies offered by Employee Retention Benefits also help with the cost of assisted living, physical therapy, and assistance with daily living skills.

The Risks of Not Having Long-Term Care Insurance

Most standard health insurance policies only provide coverage for acute care. They often fail to include coverage for long-term care or extended therapeutic services. Long-term care insurance ensures that LA County firefighters have access to affordable care should they ever need it. This includes if they’re injured on the job, or if they encounter long-term care needs as they age. Without long-term care insurance, firefighters and their families might have to rely on Medicare or medical assistance through Medicaid. Where gaps in coverage can leave them or their family with a significant financial burden.

The Benefits of Long-Term Care Insurance

Providing firefighters with long-term care insurance does more than ensure that they have access to affordable care throughout their careers and beyond. It also sends a clear message to LA County firefighters that the department has their best interests at heart.

What Long-Term Care Insurance Covers

Long-term care insurance helps cover more than just nursing home care. Policies can also be set up to cover the cost of things like physical therapy, occupational therapy, speech therapy, physical rehabilitation, home health care, and assisted living costs. Firefighters with long-term care insurance receive affordable access to all these services without having to worry about going on public assistance. Long-term care insurance also includes coverage for assistance with “Activities of Daily Living. This includes things like help with personal hygiene tasks, eating, getting dressed, and walking.

Customized Long-Term Care Policies from an Industry Leader

ERB is the West Coast's leading provider of employee retention and benefits programs. We partner with the LA County Fire Department to offered customize long-term care policies for firefighters. We don’t outsource the programs we provide. All our long-term care and other employee retention programs are handled in-house. This hands-on level of constant connection helps us continuously outperform our competitors while ensuring that every LA County firefighter has affordable access to long-term care they deserve.