H.E.L.P., Inc. is an independent corporation, assisting senior homeowners in implementing and managing a written plan of care. This written plan is in the form of an insurance policy, which would cover their future LifeCare at home.

No! H.E.L.P., itself is not an insurance policy. However, it is a strategy, that links benefits from an insurance company, while providing funding for those benefits.

H.E.L.P. Itself not a funding source; what it does is provide a strategy to help the senior homeowner access funding using the equity in their homes. The strategy used to fund the premium is commonly known as, a Home Equity Conversion Mortgage or HECM.

The two major offerings that are used in the H.E.L.P. Strategy are: Home Care Funding Plans & HECM’s, both of these instruments have been around for 50 to 60 years, respectively. Because of these instruments, countless numbers of seniors and their families have been protected against the high cost of in-home care. Many Americans have been, through the equity in their homes, able to participate in services or products, that they would not otherwise be able to afford.

Several government agencies have written material regarding the viability of the H.E.L.P. concept. The Centers for Medicare and Medicaid Services (CMS), The National Council On The Aging (NCOA), The Department of Health and Human Health Services (HHS) to reference a couple. There are two articles in particular, that go into great detail, discussing the H.E.L.P. strategy design; they are: “Linking Reverse Mortgages and Long-Term Care Insurance” and “Use Your Home to Stay at Home,” both articles support the intentions and efforts of H.E.L.P., INC.

The short answer is absolutely not. There are, however, some minimum requirements to keep the HECM portion of the strategy in tact. Before implementing any strategy, H.E.L.P., Inc, educates the homeowner and if applicable, their family to ensure that the candidate for this strategy is informed and confirms the need to implement the strategy.

No! The LifeCare plan premiums are contractually guaranteed to never increase under any circumstance.

With H.E.L.P. , the homeowner can choose to get the care wherever they want; as well as, choose the duration of how long they will receive those benefits ; if or when the care be needed.

H.E.L.P. is designed specifically for senior homeowners 62 and older, who have substantial equity in their homes. This program is for candidates, who desire to receive their future care at home and who are currently in relatively good health.

It is recommended that homeowners have a minimum of at least $200,000 of equity in their home.

One of the best features of the H.E.L.P. Strategy is how it pays off, even if it’s never used. If the policy is kept throughout the senior homeowner’s lifetime, there are minimum guaranteed benefits paid to the homeowner or their loved ones.