Long-Term Care

Brian H Merriam, CPCU, ARM, AAI, President

Brian H Merriam, CPCU, ARM, AAI, President

376 Broadway
Schenectady, NY

(877) MERRIAM x 201
(877) 637-7426 x 201

Shannon McMeel

Shannon McMeel

Shannon has been promoted to Benefits Department Manager. She has been with the Agency since 2013, focusing on TPA benefits and administration. She oversees a department that provides Health, Dental, Vision, STD, LTD, DI, Life and PFL benefits to commercial clients, as well as TPA and FSA programs.

Group Benefits Department Manager
Schenectady, NY

(877) MERRIAM x 203
(877) 637-7426 x 203

Stephanie Galuski

Stephanie Galuski

Stephanie Galuski has been with us since October 2015, as Health & Benefits Senior Account Manager. She joined the Merriam Agency having been from Scherff Insurance Agency, which the Merriam Agency acquired in early October.

In 2007, she began working as an account manager, assisting groups with health, life, dental products and resolutions. She has also worked in Human Resources, dealing with employee benefits and payrolls for about 6 years.

Stephanie greatly enjoys the customer service aspect of her job duties; she likes to resolve issues which will hopefully be in her clients’ favor. She feels that timely communication is of utmost value to our clients and is tentative to their needs by responding back to them quickly, especially.

When she’s not working, you may find her at a sporting event that one of her daughters is participating in. She and her husband, their 3 daughters and their dog, enjoy the outdoors – especially in the warm weather. They reside in Waterford, NY.

Senior Account Manager

(877) MERRIAM x 217
(877) 637-7426 x 217


According to a comprehensive report published in 2016, the national median cost for either a home health aide or for homemaker services is $20/hour. The national median for assisted living facilities is $43,536/year, with a private nursing home room costing $92,345.

So, what is Long-Term Care and how does it affect you?

Long-Term Care (LTC) is extended care, whether it be in your home or at an assisted living facility.

Planning is the important part! In order to protect your loved ones, you assets and your retirement Long-Term Care planning completes the long term finical wellness picture.

Long-Term Care Insurance is one way to protect yourself.

What Does Long-Term Care Cost?

We have all heard the story of how expensive Long-Term Care policies are. The truth is, there are plan designs to fit every budget.

You’ll never be younger or likely healthier than you are today, which makes now the best time to plan.

Contact a Merriam Insurance expert today to learn more, including exact up-to-date costs in your area. The longer you wait, the higher the premium.