Tom is the Founder and Chief Executive Officer at HCG Secure. He was inspired to found HCG Secure when his parents reached an age where they were unable to fully care for themselves but wished to age at home. Limited by geography and his parents’ need for local resources, Tom found the process both overwhelming and difficult for him to ensure that his parents were receiving the best possible care from afar. Stunned by the lack of coverage resulting in out-of-pocket expenses and the lack of resources, he made it his mission to create products that offer the network and coverage needed for individuals and their loved ones to age comfortably, and as they wish.
Most people will need long-term care in their lifetimes, but new research suggests Americans are ill-prepared for the costs of long-term care.
Everyone should be having conversations with loved ones about wishes and needs. And from these conversations they should then be either earmarking a significant portion personal savings for long-term care needs or they should be enrolling in lower cost policies to cover at a minimum one year of long-term care needs.