Facts and Figures
"One million Americans suffer from Parkinson's Disease and each year 40,000 new cases are diagnosed."
-- Parkinson's Disease Foundation
“The average age at move-in of an assisted living resident is 84.6 years old. The median length of stay for assisted living is 21 months.”
-- American Association for Long-Term Care Insurance, 2011 LTCi Sourcebook, www.aaltci.org
2011 cost of care findings on a countrywide basis:
Home Health Aide Services (Licensed) $19/hour
-- Genworth Cost of Care Survey 2011
“Every 70 seconds, someone develops Alzheimer’s disease.”
-- The 2009 Alzheimer’s Disease Facts and Figures, Alzheimer’s Association.
"Each year about 600,000 Americans suffer their first stroke. 28% are under the age of 65."
-- A Consumer's Guide to Long Term Care Insurance
“61% of respondents ranked having Alzheimer’s disease as their single greatest fear among disabling diseases in later life.”
-- Our Family, our Future: The Heart of Long Term Care Planning, Age Wave for Genworth.
Long Term Care Insurance may be deductible if you own a business or itemize your medical expenses.
“5.4 million Americans are living with Alzheimer’s disease. 2/3 are women. By 2050, as many as 16 million will have the disease.”
-- American Association for Long-Term Care Insurance, 2011 LTCi Sourcebook, www.aaltci.org
76 million Baby Boomers were born between 1946 and 1964.
2011 cost of care findings on a countrywide basis:
Nursing Home (Semi-Private Room) $193/day
-- Genworth Cost of Care Survey 2011
“86% of older adults have at least one chronic condition like heart disease, arthritis, diabetes, or cancer and 50% have two or more.”
-- National Council on Aging
2011 cost of care findings on a countrywide basis:
Assisted Living Facility (1 Bedroom/Single Occupancy) $3,261/month
-- Genworth Cost of Care Survey 2011
“By 2050, 20% of America’s population will be over 65.”
-- National Council on Aging
2011 cost of care findings on a countrywide basis:
Nursing Home (Private Room) $213/day
-- Genworth Cost of Care Survey 2011
“The nation’s 10 leading long-term care insurance companies paid over $10.8 million in daily claim benefits in 2010. Benefits paid by just these insurers totaled nearly $4 billion for the year.”
-- American Association for Long-Term Care Insurance, 2011 LTCi Sourcebook, www.aaltci.org
Average age of consumers who purchase Long Term Care Insurance is 55 to 64.
2011 cost of care findings on a countrywide basis:
Homemaker Services (Licensed) $18/hour
-- Genworth Cost of Care Survey 2011
"The typical caregiver is a family member who is a 48 year old woman who provides more than 20 hours of care each week."
-- American Association for Long-Term Care Insurance, 2011 LTCi Sourcebook, www.aaltci.org
Be Social!
About Us
Tobe Lynn Gerard, President
Tobe Lynn Gerard has been in the insurance industry for over 30 years. Her entry came in an unlikely fashion when she was selected to be the head librarian for the Insurance Library Association of Boston. At the helm from 1977 through 1980, she worked tirelessly to successfully increase the visibility and the revenue for this historic institution, but while doing that she discovered that she loved insurance more than she loved being a librarian.
Tobe went to work for the Professional Insurance Agents of New England in 1980, and worked for them and their successor organization until 2000. During that time she sold a variety of insurance products, ranging from malpractice insurance to life insurance to Long Term Care Insurance.
In March of 2000, Tobe started her own insurance agency specializing exclusively in Long Term Care Insurance. Because of her independent insurance agency background, as well as her strong belief that one size doesn’t fit all, she has always represented at least eight Long Term Care Insurance companies.
Tobe earned her CLTC designation (Certified in Long Term Care) in 2001. She earned her CSA designation (Certified Senior Advisor) in 2004. She became a member of the faculty of The National Alliance in 2004, and has taught Long Term Care Insurance for them throughout the country. She serves on the Long Term Care Advisory Committee for the National Association of Health Underwriters. As a member of the Massachusetts Association of Health Underwriters, she has lobbied energetically for Long Term Care Insurance legislation that will protect consumers to a greater degree.
She is a Past President of Natick Rotary.
Tobe and her husband Marc have lived in Natick, MA for over 30 years.
Danielle Peloquin, Office Assistant
Danielle “Dani” Peloquin is the first point of contact with Tobe Gerard Insurance, LLC. She is in charge of quotations and designing spreadsheets. Additionally, she manages the Agency’s Social Media.
Dolores Macasay, Bookeeper
Dolores “Dee” Macasay brings over 40 years of professional bookeeping experience with businesses of all sizes in a variety of industries.
Tobe Gerard Insurance, LLC enrolls all employer cases in person at your headquarters. We use independent Long Term Care Insurance professionals for this important role. The following are enrollers who are on our “short list”:
Carol Foster, Enroller
Carol Foster is a Long Term Care Insurance professional who enrolls employer cases onsite. She has worked in Long Term Care Insurance for three years.
Amy Goldberg, Enroller
Amy Goldberg is a Long Term Care Insurance professional who enrolls employer cases onsite. She has worked in Long Term Care Insurance for five years.
Sean Delaney, Enroller
Sean Delaney is a Long Term Care Insurance professional who enrolls employer cases onsite. He has worked in Long Term Care Insurance for seven years.