July 25, 2011 by HWP Insurance
Over the past 15 years, long term care insurance has become increasingly popular. The reason being is that people are living longer lives than ever before – often requiring assistance in their later years. Long Term Care Insurance helps cover the expenses associated with an individual’s inability to care for themselves. Typically, the expenses associated with long term care coverage are not provided for by other forms of insurance. Under long term care coverage, benefits are paid if an individual is unable to perform at least two activities of daily living – such as bathing, continence, dressing, eating, toileting, and transferring for a period of at least 90 days, OR if an individual requires continued supervision due to cognitive impairment. In the past, when an individual reached that stage of life, they would enter a rest home facility, or have a family member care for them. Long Term Care Insurance provides individuals with options: they can enter a facility of their choice, or pay for a medical care provider to take care of them in their own home (some policies will even pay an individual’s family member to provide care). For more information on Long Term Care Insurance, please contact your San Diego Insurance Professional here at Hatter, Williams & Purdy Insurance.
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by HWP Insurance
You’ve finally reached your vacation destination, and are arranging for your rental car. The rental car agent is recommending you purchase their insurance coverage – what should you do?
Generally, you should be OK waiving the rental car insurance, if:
• You already have personal auto insurance coverage which inludes comprehensive and collision coverage.
• You are renting the [...]
Scott and his team at Hatter Williams and Purdy have been my go to source for my client's commercial insurance needs over the last several years. The service they provide is unmatched, often turning around quotes within the same day. As a Commercial Real Estate Broker, it's important...
Scott Purdy, CIC
Scott Purdy started in the insurance industry in 1978, as a life insurance agent with National Life of Vermont. Scott joined Hatter, Williams & Purdy Insurance in 1983, and has spent the balance of his career in the agency/brokerage business. In 1999, Scott assumed the principal position of HWP, and became President...