Your fire department keeps citizens and communities safe not only by fighting fires, but also by providing all-hazard emergency services. Fire department employees are rigorously trained to handle all types of emergencies and disasters on the front line. They are exposed to smoke, chemicals, and other unhealthy elements that can cause chronic health conditions.
Behind the scenes, Fire Department employees provide critical support for your organization’s essential tasks, such as examining plans, inspecting equipment, performing admin tasks, and more.
Regardless of the employee’s role, there is a risk of accidents or illnesses that could prevent them from being able to work. They may be unable to care for themselves, and the financial consequences can be severe. There is a solution in that long-term care insurance can help the employee and the organization.
About Long-Term Care Insurance
Long-term care insurance helps pay for the cost of lengthy medical care that may not be covered by health insurance. It can provide:
- Skilled nursing care by a licensed nurse.
- Professional supervision and assistance with daily tasks such as bathing, dressing, continence, eating, and mobility.
- Financial assistance for those who are caring for an ill loved one and need to take time off from work.
- Assistance with the cost of nursing home or in-home care, and assisted living.
A long-term care policy may vary in available benefits, length of coverage, and premiums. A waiting period before receiving benefits is not uncommon.
What Is Not Covered by Long-Term Care Insurance?
Long–term care insurance does not cover medical care costs, which are usually part of a private health insurance policy, Medicare, or Medicaid. Also, it does not cover care provided by family members.
What are the Benefits of Long-Term Care Insurance?
Offering long-term care insurance to your fire department employees lets them know that your department cares about their well-being. In turn, this can help improve employee retention and reduce costs associated with the recruitment and training processes.
Employees have peace of mind knowing that there is help should an accident or serious illness occur. This alleviates the worry of wondering who would be available to care for them in such an event and frees them from the stress of potential financial hardship during recovery.
In closing, when evaluating long-term care insurance, consider the coverage benefits and duration, waiting period, daily benefit amount, and maximum duration. With over 50 years of expertise, Employee Retention Benefits offers industry-leading long-term care insurance for fire departments. Firefighters and all fire department employees have freedom from worry and anxiety, knowing they will have help if they become ill or injured. If you are a fire department in the Pasadena area, contact us today to learn more about our long-term care insurance coverage for fire departments.
