Personal Message from Tammey Sullivan

Hello, I' am Tammey J. Sullivan owner and President of HealthCare Benefit Services. I developed this web sight with one thought in mind, "Knowledge is Power". Hopefully this site will provide you with empowering awareness of a potential crisis that lies ahead and what can be done about it. As some one who has been involved with Long-Term Care Insurance since 1988 I have seen a lot of changes in this area of insurance. As a specialist in LTC who not only represents all the top rated companies, but someone who actually gets involved in all my clients claims. I have first hand knowledge in how policies work, how they coordinate with HMO's & Medicare and how to get the most out of your long-term care policy should you ever need it.
I would like to personally lead you through this site to explain our objectives about LTC and guide you through the PROCESS of determining if LTCI is right for you, and if it is, what benefits would best fit your personal situation today and 10, 20 or 30 years from now.

This site is filled with many links to help you educate yourself on the need for this type of insurance as well as valuable insight into aging and care-giving. People are living longer today than ever before so they will naturally wear-out over a period of time. In order to give you dignity through the aging process you must be informed. Whether you are the child of an aging parent, grandparent, sibling, or a good friend, this web site will offer you ways to plan for this process.
I hope you enjoy this tour!