seniors

About Us

Ted Ratliff, President and owner of SeniorCare Financial Services, has been serving the insurance needs of clients since 1982. His experience and knowledge as well as commitment to service is reflected in the way we deal with our clients. Our clients needs come first! Our goal is to help our clients maximize their insurance dollars by teaching them unique concepts designed to save them money while obtaining maximum asset protection.

As a Care Giver for his wife's parents, Ted learned first hand the problems older adults face when dealing with such issues as Medicare, Medicaid, and the need to plan for Long Term Care. This is why Ted and his wife Becky specialize in serving the needs of older adults. They help with choices in Medicare health plans and prescription drug plans. They also aid older adults and their families plan for the end of life using Final Expense plans and Funeral Trusts.

SeniorCare Financial truly helps older adults by providing security when it is needed most!

Becky Ratliff, Vice President, co-owner, and CFO. Becky has been a licensed insurance agent since 1991 and is in charge of administration and accounting. Becky is also familiar with the needs of older adults in need of care. She helped care for her parents in their final years and is a certified home health aid.

Our Services

As Independent agents, we work for you not the Insurance Company. We represent many fine companies in order to help you find the insurance plans that best meet your need and circumstances. Whether you are confused about your Medicare Health Plan options, planning for your Final Expenses, or planning for your Long Term Care needs, we can help. We offer most of the major Medicare Advantage and Prescription Drug Plans as well as Medicare Supplements from almost all the major companies.

We also offer most of the Final Expense plans that are available as well as Funeral Trusts allowing you to prepay your funeral and protect your assets. In addition we also offer Dental, Vision Hearing plans, Critical Illness and Cancer Plans, and supplemental plan designed to pay your Medicare Advantage co-pays and deductibles. We also offer a full line of Life, Health and Annuity products. We are truly a one stop shop for all of your insurance needs.

Care Resource Planning

Care Resource Planning is a program we offer that provides protection for our clients assets as they get older. One out of Four people will need some form of health care, either at home, in assisted living or a Nursing Home. Often this requires spend down to be able to receive help from Medicaid, Veterans Benefits, or other help. With proper planning you can protect much of your assets. We also put a plan in place to be sure your Long Term Care needs are not a burden on your loved ones. We also look at your Health Insurance plan to determine if you are in a Medicare plan that will save you the most money and provide maximum protection. We help plan for the end of life and help make sure that your final wishes and related expenses are able to be met by loved ones left behind. We will look at other Government benefits to see if you qualify for Extra Help with your Prescription Drugs costs, and help you apply for those benefits when possible. We also provide you with a FREE LIVING WILL and FUNERAL PLANNING GUIDE.