The Immediate Care Plan turns a resident's own assets into contractual monthly payments that cover their care for their lifetime. Private-pay does not run dry, the bed does not empty early, and you are not the one having the discharge conversation. See what an early move-out already costs you. It takes two minutes.
Every operator watches occupancy. Almost none price what leaves when residents move out early because the money ran out. It is usually bigger than the beds you can't fill, and unlike marketing, it is something you can actually protect.
Not a product you push on residents. It is a plan we build with the family, using the resident's own money, that keeps the bed funded across the stay. You make an introduction. We do the rest.
The plan funds the resident's care for their expected stay, so the financially driven move-out, the one you can't prevent today, comes off the table. Fewer involuntary discharges, longer lifetime revenue per unit.
Payments are contractual and continue for the resident's lifetime under the policy. Your top line stops depending on how long the family's savings happen to last, and can be routed straight to the facility.
The care question is answered on day one, and the resident's remaining wealth is preserved for their family. Fewer hard calls, less friction, and families that recommend you instead of second-guessing you.
The ICP is built on a standard immediate-annuity chassis, then priced on the resident's actual health instead of a population average. Someone already in care has a different life expectancy than the table assumes. Pricing to the real person, not the average, is what makes the number work.
Underwriting draws on 25+ years of senior-care underwriting experience. Every plan is individually priced, so figures vary case by case. This is not a promise of any particular outcome.
A care advisor ran the same monthly benefit two ways for one resident. The gap is what underwriting to the individual actually buys.
Illustrative case based on a real client outcome. Every plan is individually underwritten, so figures differ for each resident. Life Income Only options pay for the annuitant's lifetime and end at death; return-of-premium and inflation options are available and change the pricing. Not legal, tax, or investment advice.
You make an introduction and schedule a short consultation. We handle the education, the application, the underwriting, and the funding, and we keep you in the loop the whole way.
You hand the family a standard or co-branded info sheet and put a short consult on our calendar. That is the lift on your side.
We walk the family through the plan and, if it fits, help them apply. About fifteen minutes, plus a brief care-review call with the facility.
Once the offer is accepted and funded, payments begin, routed to the facility or the family, within thirty days.
The bed stays funded across the stay. A funded resident is a retained resident.
Same plan, different math. We meet each where the numbers hit hardest, and we start with adult family homes, where one save moves the whole home.
In a home of a handful of residents, one departure is a fifth of your income. Concentration is your biggest risk, so funding a single resident's stay protects the whole home. We become the back-office financial arm you never had.
At scale, the leak is quieter but larger in total. Funding residents at intake cuts involuntary discharge and extends length of stay across the census, and we plug into your existing operations rather than replacing them.
The ICP can be written for residents in every state except the four below, which are not currently open under the carrier's filings. If your home sits outside these four, the plan is available today.
The ICP protects the economics resident by resident. Semble works on the balance sheet. For nonprofits, it restructures your existing loan into an impact investment your own community can fund, so your payment drops and the value stays inside your mission instead of a bank's margin.
No, and we won't frame it that way. What the ICP does is remove the most common financial reason a private-pay resident is discharged: running out of money. The plan funds care for the resident's expected stay, so the countdown that usually ends a private-pay tenancy no longer sets the timeline. Health and personal circumstances still apply.
It is an immediate annuity, built on a standard single-premium immediate annuity chassis and then medically underwritten. The one real difference from an ordinary SPIA is the underwriting: it is priced on the individual resident's health, not on population averages. That is what typically lowers the premium for the same monthly benefit.
It depends on the option chosen. Life Income Only pays for the annuitant's lifetime and stops at death, which means total payments could be less than the premium. Return-of-premium and other options are available and change the pricing. We walk every family through the trade-offs and always recommend they consult their own tax and legal advisors.
No. Your team makes an introduction and schedules a short consultation. We educate the family, handle the application and underwriting, and coordinate funding. There is a brief care-review call with a caregiver, and we keep you updated throughout. The administrative weight sits with us.
Both, because financially they are the same fight. When a resident's care is funded, they stay, their family's wealth is protected, and your revenue holds. That alignment is the whole model, and we are paid through the plan, not by your facility.
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