Customer Reviews

My mother and I were uneducated when it came to long term care insurance. David took the time to educate both of us about the insurance and made sure he did not “over-sell” us on coverage that was unnecessary.

I appreciate how Dave listens to my concerns and creatively thinks about how to solve problems. The experience that he shares is very valuable too.

As the executor of my parent’s estate, I was so thankful that Dave set up my parents on Long Term Care insurance. It made the entire process of payment very simple, the companies streamlined everything for me, and we were able to choose high-quality facilities without worry about the cost. They got the best care available with peace of mind for us, and that is priceless.

It is hard to describe the peace of mind that having an LTC policy for our parents gave us. Not only did it help us to protect their hard-earned assets, but it was so good to know that we could choose the type of facility that our mother could go to, instead of having only a skilled nursing facility and a Medicaid spend-down as her choice.

Because of the plan that David set up, Mom was able to get care in several different facilities as she needed different levels of care. She was in ltc for 8 years and spent most of her time in a wonderful, residential care facility with people that became like family to her. The plan took the guesswork out of how we were going to pay for these enormous expenses. Dave stayed connected to us through the entire process.

David was able to get Long-Term Care insurance for both of my parents, and my family is so thankful for that. The policies that he set up paid for coverage at a very nice, assisted living facility, with a beautiful view of the SF Bay! My dad was very comfortable and well cared for. Seeing the benefit of more care options, we took out coverage with David for ourselves!

Thanks to David Mikulsky for setting up my parents with Long Term Care insurance in their 60s. It helped us provide our mother with the care she needed in her 80s. Having the policy in place took the pressure off the family to figure out how to pay for her care during a difficult and emotional time.

Dave Mikulsky is easy to talk to, and he seemed to watch out for my best interest. He didn’t try to oversell. He considered what my income would be like after retirement to be certain I purchased an LTC policy that I could still afford. Dave is friendly, knowledgeable, and patient, especially with all my questions. I learned a lot from him, and would highly recommend working with Dave.

Very appreciative that Dave found an affordable plan that met my needs and accepted me. His goal isn’t to sell you a plan; he is here to help. That is evident during our first conversation. He is trustworthy, kind, and had the patience of Job.